Payday Loans in Staples, Texas

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

Company nameAddressZip codePhone number
Nunez Lending 100 Highland Park Village 200, Dallas, TX 75205 +1 (972) 661 - 8800
Toledo Finance Corp 708 N Nolan River Rd, Cleburne, TX 76033 +1 (817) 556 - 9933
Design Mortgage Group 7511 Fm 1488, Magnolia, TX 77354
Pioneer Bank 1265 E Loop 304, Crockett, TX 75835 +1 (936) 544 - 5626
Fairway Independent Mortgage Corporation 108 Wild Basin Road, Suite 250, Office 246, Suite, 250, West Lake Hills, TX 78746 +1 (512) 717 - 3730
First State Bank 1 Commerce Park, Shallowater, TX 79363 +1 (806) 832 - 4525
Jackson Hewitt Tax Service 1410 E Main St, Eastland, TX 76448 +1 (254) 488 - 4169
Gold Star Finance Texas 255 N Sam Houston Blvd, San Benito, TX 78586 +1 (956) 276 - 9582
First State Bank Central Texas 207 N Main St, Elgin, TX 78621 +1 (512) 285 - 3405
World Finance 1712 1st St E Ste F, Humble, TX 77338 +1 (281) 319 - 4505

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Staples, TX, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in The Colony, TX, Payday Loans in Tyler, TX, Payday Loans in Victoria, TX, Payday Loans in Waco, TX, Payday Loans in Waxahachie, TX, Payday Loans in Weslaco, TX, Payday Loans in Wichita Falls, TX and Payday Loans in Wylie, 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 Staples, TX.

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

78670

Are Payday Loans Legal In Staples, 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

Staples, TX payday loan calculator

Payday Loans in Staples, Texas: A Comprehensive Guide

When unexpected bills pile up and you don’t have the necessary funds to cover them, payday loans can be a tempting option. In Texas, payday loans are legal, and residents of Staples have access to a variety of lenders that offer these short-term loans. This guide will provide you with comprehensive information about payday loans, their benefits, and risks, and how to find a reliable lender in Staples, Texas.

What Are Payday Loans?

A payday loan is a short-term loan that is typically repaid on the borrower’s next payday. It’s designed for people who need immediate cash to cover an unexpected expense, like a car repair, medical bills, or utility bills. Payday loans are generally easy to obtain, with minimal requirements and quick approval, and you may receive the funds within a day or two.

Are Payday Loans Legal in Texas?

Yes, payday loans are legal in Texas. However, the state has several laws in place to regulate lenders’ activities and protect borrowers’ interests. For instance, lenders cannot charge interest rates higher than 10% or fees that exceed 20% of the loan amount. Borrowers can only take out one payday loan at a time, and the maximum loan amount cannot exceed 20% of the borrower’s gross monthly income.

Benefits of Payday Loans

  • Quick access to cash. Payday loans can offer fast financial relief when you need it most. You can apply online or in-store and receive the funds in your bank account within a day or two.
  • Minimal requirements. Unlike traditional loans, payday loans have minimal requirements, and lenders don’t usually perform credit checks. As long as you have a job and a steady income, you’re likely to be approved for a payday loan.
  • No collateral required. Payday loans are unsecured loans, which means you don’t need to provide collateral, like your home, to secure the loan.
  • Flexible repayment options. Payday loans offer flexible repayment options. You can choose to repay the loan on your next payday, or you can opt for an extended repayment plan if you can’t pay on time.

Risks of Payday Loans

  • High interest rates. Payday loans have high interest rates, which can make the loan even more expensive if you can’t repay it on time.
  • Additional fees. Some lenders may charge additional fees, such as origination fees or late payment fees.
  • Cycle of debt. If you can’t repay the loan on time, you may take out another loan to cover the first one, which can lead to a cycle of debt that is difficult to break.
  • Impact on credit score. If you default on a payday loan, the lender may report it to credit bureaus, which can lower your credit score and make it difficult to obtain credit in the future.

How to Find a Reliable Payday Lender in Staples, Texas?

If you decide to take out a payday loan, it’s crucial to find a reliable lender that follows the state’s laws and regulations. Here are some tips to help you find a reliable payday lender in Staples, Texas:

  • Check the lender’s license. A reputable lender should have a license from the Texas Office of Consumer Credit Commissioner. You can check a lender’s license status on the state’s website.
  • Read customer reviews. Online customer reviews can provide you with valuable insights into a lender’s reputation and customer service.
  • Compare interest rates and fees. Before you take out a payday loan, compare interest rates and fees from multiple lenders to find the most affordable option.
  • Read the loan agreement. Before you sign a loan agreement, make sure you read it carefully and understand the terms and conditions, including the interest rate, fees, and repayment schedule.

Interesting Facts and Statistics About Payday Loans in Staples, Texas

  • In 2019, Texans took out approximately 10 million payday loans, with an average loan amount of $475.
  • The average interest rate for payday loans in Texas is 661%, which is significantly higher than the national average of 400%.
  • Most payday borrowers in Texas earn less than $50,000 per year and are more likely to be Hispanic or African American.

Apply Now

If you’re looking for a reliable and trustworthy payday lender in Staples, Texas, TheGuaranteedLoans can help. We are a connector service that connects borrowers with potential lenders who meet their needs. To get started, simply fill out our online application form, and we’ll match you with lenders who can offer you the best rates and terms. Remember, we’re not a direct lender, and we don’t make credit decisions. Our goal is to assist you in finding a lender who can meet your financial needs.

Don’t let unexpected expenses get you down. Apply for a payday loan today and get the financial relief you need to stay on top of your finances.

F.A.Q.

What happens if I cannot repay my payday loan in Staples, Texas on time?

If you are unable to repay your payday loan in Staples, Texas on time, you may be charged late payment fees and your loan may be subject to collection actions. You may also be charged additional interest on any unpaid balances. It is important to contact your lender as soon as possible if you are unable to make your scheduled loan payments, so that they can work with you to find a solution.

Can I extend my payday loan in Staples, Texas?

Yes, you may be able to extend your payday loan in Staples, Texas if you are unable to repay it on time. This is commonly known as rolling over the loan, and it may involve additional fees and charges. It is important to carefully consider the potential consequences of extending your payday loan before deciding to do so.