Payday Loans in Spring Valley, Texas

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

Company nameAddressZip codePhone number
EZPAWN 1345 W University Blvd, Odessa, TX 79764 +1 (432) 337 - 0035
Speedy Cash 7007 Bandera Rd Ste 24, Leon Valley, TX 78238 +1 (210) 680 - 4382
World Finance 820 Sidney Baker St Ste G, Kerrville, TX 78028 +1 (830) 896 - 8050
Check n Go 6421 Wesley St B, Greenville, TX 75402 +1 (903) 455 - 8456
Texas Car Title & Payday Loan Services, Inc. 11400 Culebra Rd Suite 201, San Antonio, TX 78253 +1 (210) 892 - 2374
Toledo Finance 1298 W South Loop 2, Stephenville, TX 76401 +1 (254) 918 - 2000
Tex-Way Loans 1809 W Loop 281 137, Longview, TX 75604 +1 (903) 291 - 1111
Raymond James Financial Services 1000 N Main St, Borger, TX 79007 +1 (806) 274 - 2599
Continental Credit Corporation 3300 Wilbarger St, Vernon, TX 76384
Regional Finance 4761 US-83 Suite B, Rio Grande City, TX 78582 +1 (956) 487 - 2622

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Spring Valley, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Farmers Branch, TX, Payday Loans in Flower Mound, TX, Quick Loan in Fort Worth, TX, Online Loans in Friendswood, TX, Guaranteed Loans in Frisco, TX, Payday Loans in Galveston, TX, Payday Loans in Garland, TX and Payday Loan for Georgetown, 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 Spring Valley, TX.

Are Payday Loans Legal In Spring Valley, 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

Spring Valley, TX payday loan calculator

Payday Loans in Spring Valley, Texas: Everything You Need to Know

Are you considering a payday loan in Spring Valley, Texas? You’re not alone. Payday loans are a popular option for consumers looking for quick cash, especially those in need of emergency funds or those with bad credit. And the good news is, payday loans are legal in Texas, including Spring Valley. But before you take the plunge, it’s important to understand the ins and outs of payday loans and how they work.

What are Payday Loans?

A payday loan is a short-term, high-interest loan that is typically due on your next payday. These loans are designed to bridge the gap between paychecks and provide quick cash when you need it most. The amount you can borrow varies depending on the lender, but typically ranges from $100 to $1,000.

Payday loans are a popular choice because they don’t require a credit check, and the application process is quick and easy. Most lenders will only require proof of income, a valid ID, and a checking account to apply. And with lenders offering online applications and same-day funding, getting a payday loan has never been easier.

How Do Payday Loans Work?

Payday loans work by providing borrowers with quick cash in exchange for repayment on their next payday. When you apply for a payday loan, you will typically be required to provide proof of income and a valid ID. Once approved, the lender will deposit the funds into your checking account, often the same day.

The loan is usually due on your next payday, although some lenders may offer an extended repayment period. To repay the loan, the lender will typically withdraw the loan amount plus interest and fees directly from your checking account on the due date.

It’s important to note that payday loans come with high-interest rates and fees, making them more expensive than other types of loans. Most lenders charge around $15 to $30 for every $100 borrowed. So if you borrow $500, you could end up paying back as much as $600 or more in just two weeks.

Benefits of Payday Loans

Despite their high-interest rates and fees, payday loans offer several benefits that make them appealing to borrowers.

  • Quick cash: Payday loans offer one of the fastest ways to get cash when you need it most.
  • No credit check: Payday lenders typically don’t require a credit check, making them a viable option for those with bad credit.
  • Easy application process: Payday loan applications are quick and easy, often taking just a few minutes to complete.

Apply Now

If you’re in need of quick cash, apply now for a payday loan with TheGuaranteedLoans. We are a connector service that can help connect you with potential lenders who may be able to meet your needs. Submitting an application with us is fast and easy, and we’ll work hard to help you find the best lending option for your unique situation. Remember, we are not a direct lender, but a facilitator of connections between borrowers and lenders.

Facts and Statistics About Payday Loans in Spring Valley, Texas

  • Payday loans are legal in Texas, including Spring Valley.
  • According to a study by The Pew Charitable Trusts, Texans take out more payday loans than residents of any other state, averaging 8 loans per year.
  • Texas law limits the amount you can borrow with a payday loan to 20% of your gross monthly income.
  • The average interest rate for a payday loan in Texas is 574%.

The Bottom Line

While payday loans can be a tempting option for those in need of quick cash, it’s important to understand the risks and benefits before taking the plunge. Make sure you’re aware of the high-interest rates and fees, and only borrow what you can afford to repay. With the right knowledge and a responsible approach, payday loans can be a helpful tool for getting the money you need when you need it most.

F.A.Q.

Are there any protections for consumers who take out payday loans in Spring Valley, Texas?

Yes, Texas has several consumer protections in place for individuals who take out payday loans. These include a maximum allowable interest rate, a cooling-off period after a certain number of loans, and a requirement for lenders to provide clear and concise information about the terms and conditions of the loan.

Can I be sued or have my wages garnished if I default on a payday loan in Spring Valley, Texas?

Yes, if you default on a payday loan in Spring Valley, Texas, the lender may take legal action against you to collect the debt. This could include filing a lawsuit or obtaining a court order to garnish your wages. It is important to communicate with your lender and seek legal advice if you are unable to make your loan repayment.