Payday Loans in The Hills, Texas

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

Company nameAddressZip codePhone number
Cash Store 3211 50th St B, Lubbock, TX 79413 +1 (806) 780 - 2274
ACE Cash Express 401B TX-78 b, Wylie, TX 75098 +1 (972) 429 - 1788
COUGAR FINANCIAL 1504 E Loop 304, Crockett, TX 75835 +1 (936) 544 - 0413
Dash For Cash 3409 S Georgia St, Amarillo, TX 79109 +1 (806) 352 - 3188
Cliff's Check Cashing 28 11722 Ferguson Rd, Dallas, TX 75228 +1 (972) 686 - 0777
First State Bank of Uvalde 302 Pena St, Carrizo Springs, TX 78834 +1 (830) 876 - 3593
Covington Credit 1818 Lamar Ave, Paris, TX 75460
Check n Go 103 FM 1821 North, Mineral Wells, TX 76067 +1 (940) 325 - 5470
People Finance Co 106 W Fox St, Caldwell, TX 77836 +1 (979) 567 - 0176
Education Credit Union - I-40 4400 I-40 Frontage Rd, Amarillo, TX 79106 +1 (806) 358 - 7777

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in The Hills, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Nacogdoches, TX, Payday Loans in New Braunfels, TX, Payday Loans in North Richland Hills, TX, Online Loans in Odessa, TX, Quick Loan in Pasadena, TX, Quick Loan in Pearland, TX, Guaranteed Loans in Pflugerville, TX and Payday Loans in Pharr, 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 The Hills, TX.

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

78738

Are Payday Loans Legal In The Hills, 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

The Hills, TX payday loan calculator

Understanding Payday Loans in The Hills, Texas

There comes a time when your finances may run out of steam, and you need fast cash to pay your bills. When you are faced with unexpected bills and don’t have access to credit, your options may be limited. Fortunately, if you are a resident of The Hills, Texas, payday loans are a legal avenue you can explore.

A payday loan is a short-term borrowing option where a lender extends fast cash to you with the expectation of receiving full repayment on your next payday. In Texas, payday lending is permitted under a state law that lays out specific requirements for both the borrower and the lender.

How Do Payday Loans Work in The Hills, Texas?

To access payday loans in The Hills, Texas, you must be at least 18 years old, have a valid government ID, and provide proof of income. If you meet these basic requirements, you can apply for a payday loan online or in-person at a licensed lender.

It’s essential to note that the maximum amount you can borrow in Texas is $1,000, and the loan term can be no longer than 180 days. Most lenders will only approve you for a loan amount that aligns with your income and borrower history.

When your payday loan application is approved, the lender disburses the cash to you, and you have to pay it back with interest and fees by your next payday. As an example, assume you borrow $500 for 14 days. The lender charges $20 for every $100 borrowed, translating to a total repayment of $600 in two weeks.

Know Your Rights as a Borrower

As a payday loan borrower in The Hills, Texas, it’s essential to know your rights to protect yourself from predatory lending. Texas has put in place several laws to protect its residents from unscrupulous lenders.

One of these safeguards is that payday lenders must disclose the total cost of the loan, including charges and fees, and the applicable Annual Percentage Rate (APR). Lenders must also provide a written loan agreement that outlines the terms and conditions of the borrowing.

It’s crucial to read the loan agreement carefully before signing it and ensure you understand the terms. If you feel that the lender has violated your rights or the state payday lending laws, you can file a complaint with the Texas Office of Consumer Credit Commissioner (OCCC).

Interesting Facts about Payday Loans in The Hills, Texas

  • Payday lending is legal in Texas, but it’s regulated by the state law.
  • The Texas payday lending market is worth more than $1.6 billion annually.
  • In 2019, the average payday loan borrower in Texas took out 4.9 loans and paid a total of $458 in fees.
  • The maximum amount you can borrow in Texas is $1,000 or not more than 20% of the borrower’s gross monthly income.

Apply Now

If you need quick cash to meet your financial obligations in The Hills, Texas, TheGuaranteedLoans can help match you with potential lenders. However, it’s important to note that we are a connector service and not a direct lender. When you fill out our online application form, we will only provide your information to our network of reputable lenders to increase your chances of getting approved for a payday loan.

Apply now for a payday loan in The Hills, Texas, and ease your financial burdens today!

F.A.Q.

What are the fees and interest rates associated with payday loans in The Hills, Texas?

Payday loans in The Hills, Texas have a maximum APR of 661%. Lenders are also allowed to charge a loan origination fee of up to $10 per $100 borrowed, as well as a database verification fee of up to $2.50 per loan.

Can I rollover my payday loan in The Hills, Texas?

No, rollovers are not allowed for payday loans in The Hills, Texas. Borrowers who cannot repay their loan on the due date may be able to request an extended payment plan, but this is not guaranteed.