Payday Loans in Spade, Texas

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No payday loan companies in Spade, TX. Consider companies in other cities:

Company nameAddressZip codePhone number
Cash America Pawn 1432 S State Hwy 121, Lewisville, TX 75067 +1 (972) 436 - 3643
Excel Finance 613 N Mechanic St, El Campo, TX 77437 +1 (979) 543 - 6490
Pampa Municipal Credit Union 1021 N Somerville St, Pampa, TX 79065 +1 (806) 665 - 8875
Western-Shamrock Finance 306 N Spur 63, Longview, TX 75601 +1 (903) 234 - 8569
Your Loan Depot 19769 Hwy 59 North, Humble, TX 77338 +1 (832) 644 - 8411
Sun Loan Company 122 E Commercial Ave, La Feria, TX 78559
TitleBucks 13954 Westheimer Rd, Houston, TX 77077 +1 (832) 775 - 0108
Cash Store 1064 N Hobart St, Pampa, TX 79065 +1 (806) 669 - 1508
Legacy AG Credit ACA 335 W Dallas St, Canton, TX 75103 +1 (903) 567 - 2251
Dalhart Federal Savings & Loan 502 Denrock Ave, Dalhart, TX 79022 +1 (806) 249 - 8561

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spade, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Temple, TX, Bad Credit Loans in Texarkana, TX, Payday Loans in Texas City, TX, Payday Loans in The Colony, TX, 24-Hour Loan in Tyler, TX, Online Loans in Victoria, TX, Payday Loans in Waco, TX and Online Loans in Waxahachie, TX. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Spade, TX.

Payday Loans Available in Spade, TX By The Following ZIP Codes:

79369

Are Payday Loans Legal In Spade, Texas?

Loan Rates and Fees, Laws and Regulations in Texas.

Texas Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)662
Maximum Loan AmountNot Specified
Minimum Loan Term7 days
Maximum Loan TermVaries
Number of Rollovers Allowed0
Finance Charges>$30 => $1 for each $5 [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35) [$35 – $70] => $3.50/mo + $4/mo (>$70) >$100 => $10 + $4/mo for each $100

Spade, TX payday loan calculator

If you live in Spade, Texas, and you’re considering a payday loan, it’s essential to know what you’re getting into. Payday loans are legal in Texas, and they’re a popular choice for people who need quick cash. However, payday loans can come with high interest rates and fees that make them difficult to pay back. In this article, we’ll explore payday loans in Spade, Texas, and what you need to know before applying.

What is a payday loan?

A payday loan is a short-term loan that usually has to be repaid within two to four weeks. The amount borrowed is typically a few hundred dollars, and the borrower usually provides a post-dated check for the full amount of the loan plus fees. Payday loans are a popular choice for people who need quick cash and have no other options, such as a credit card or personal loan. However, payday loans often come with high interest rates and fees that can make it difficult for borrowers to pay the loan back on time.

How do payday loans work in Spade, Texas?

In Spade, Texas, payday loans are legal, and the state regulates the industry. Lenders are required to be licensed by the State of Texas and must follow state laws and regulations when issuing loans. The maximum amount a borrower can get is 20% of their gross monthly income, and the maximum term is 180 days. The APR for a payday loan in Texas can be very high, up to 662.45% for a two-week loan of $100.

When you apply for a payday loan in Spade, Texas, you’ll need to provide proof of income and identity, such as a pay stub and a driver’s license. You’ll also need to provide a post-dated check for the full amount of the loan plus fees. If you can’t pay the loan back on time, some lenders may offer extensions or rollovers, which can add even more fees and interest.

The pros and cons of payday loans

Before taking out a payday loan in Spade, Texas, it’s important to weigh the pros and cons. Here are some of the benefits and drawbacks of payday loans:

Pros:

  • Quick and easy access to cash
  • No credit check required
  • No collateral required

Cons:

  • High interest rates and fees
  • Short repayment terms
  • Risk of falling into a cycle of debt

Overall, payday loans can be a quick and easy way to get cash when you need it, but they come with high costs and risks. It’s essential to consider your options carefully and to make sure you can afford to pay the loan back on time.

Interesting Facts and Statistics About Payday Loans in Spade, Texas

-The average payday loan in Texas is $368, and the average APR is 454%

-In 2019, Texans paid over $1.9 billion in fees and interest on payday loans

-Texas has the highest number of payday loan stores in the country, with over 3,000 licensed locations

Apply Now

If you’ve weighed the pros and cons of payday loans and decided to apply, TheGuaranteedLoans can help. We’re a connector service that can help you find a lender that meets your needs. To apply, simply fill out our online application, and we’ll match you with potential lenders who may be able to help. Remember, we’re not a direct lender, and we don’t make credit decisions. We simply facilitate the connection between borrowers and lenders.

Final Thoughts

Payday loans in Spade, Texas are legal, but they come with high interest rates and fees that can be difficult to pay back. It’s essential to consider your options carefully and to make sure you can afford to repay the loan before you apply. If you decide to apply for a payday loan, TheGuaranteedLoans can help. Just remember to use payday loans as a last resort and to borrow only what you can afford to repay.

F.A.Q.

Can I cancel a payday loan in Spade, Texas?

Yes, borrowers in Spade, Texas have the right to cancel a payday loan within 72 hours of taking out the loan. To do so, the borrower must return the full amount of the loan and any associated fees to the lender.

Are there any alternative options to payday loans in Spade, Texas?

Yes, there are several alternative options to payday loans in Spade, Texas, such as personal loans from banks or credit unions, borrowing from friends or family, or seeking assistance from non-profit organizations. These options may have lower interest rates and fees, and can help borrowers avoid the potential pitfalls of payday loans.