Payday Loans in Wadsworth, Texas

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

Company nameAddressZip codePhone number
Houston Cash Services 700 Milam St, Houston, TX 77002
Wells Fargo Bank 2833 TX-36 S, Sealy, TX 77474 +1 (979) 885 - 4151
Prosperity Bank - Navasota - Drive Thru Only 109 W Washington Ave, Navasota, TX 77868 +1 (936) 825 - 2274
Security Finance 722 E US Hwy 377, Granbury, TX 76048 +1 (817) 573 - 5026
Western Finance 2404 W Waco Dr, Waco, TX 76701 +1 (254) 755 - 8818
Security Finance 1125 N Velasco St, Angleton, TX 77515 +1 (979) 848 - 3430
Economy Loan Co 1104 N 9th St, Carrizo Springs, TX 78834 +1 (830) 876 - 3132
World Finance 1926 N Grand Ave, Sherman, TX 75090 +1 (903) 328 - 6219
Gold N Things Pawn 102 E Sinton St, Sinton, TX 78387 +1 (361) 364 - 2378
ACE Cash Express 3250 W Pleasant Run Rd 135, Lancaster, TX 75146 +1 (972) 274 - 1024

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wadsworth, TX, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in La Porte, TX, Payday Loans in Lancaster, TX, Payday Loans in Laredo, TX, Payday Loans in League City, TX, Payday Loan for Leander, TX, Guaranteed Loans in Lewisville, TX, No Credit Check Loans in Little Elm, TX and Payday Loans in Longview, 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 Wadsworth, TX.

Are Payday Loans Legal In Wadsworth, 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

Wadsworth, TX payday loan calculator

Payday Loans in Wadsworth, Texas: Everything You Need to Know

If you find yourself in a tight financial spot, you may be considering taking out a payday loan. While it may seem like a quick and easy solution, it’s important to understand the potential benefits and drawbacks of this type of loan.

Payday loans can be helpful in certain situations, but they are not without their risks. In this article, we will take a closer look at payday loans in Wadsworth, Texas, including their legality, the application process, and what to consider before taking one out.

The Legality of Payday Loans in Texas

Before we dive into the specifics of payday loans in Wadsworth, let’s discuss their legality in Texas. Payday loans are legal in Texas, but there are certain regulations in place to protect borrowers.

To begin with, there is a cap on the amount you can borrow. You can borrow up to $1,800, or 35% of your gross monthly income, whichever is less. Additionally, the length of the loan term cannot exceed 180 days. Lenders are also required to provide a clear breakdown of all fees and charges associated with the loan.

Applying for a Payday Loan in Wadsworth

If you decide to pursue a payday loan in Wadsworth, the application process is relatively simple. Here are the basic steps:

1. Research lenders: Look for reputable lenders in your area. You can search online or ask for recommendations from friends or family.

2. Gather information: To apply for a payday loan, you will need to provide some basic information, including your name, address, employment details, and bank account information.

3. Submit your application: You can typically submit your application online, over the phone, or in person.

4. Receive your funds: If approved, you will typically receive your funds within one business day.

It’s important to note that approval for a payday loan is not guaranteed, and lenders may require additional information or documentation before deciding whether to approve your application.

What to Consider Before Taking Out a Payday Loan

While payday loans can be a helpful tool for those in need of quick cash, they are not without their risks. Here are some things to consider before taking out a payday loan in Wadsworth:

– High fees and interest rates: Payday loans can come with steep fees and interest rates, which can make it difficult to pay back the loan on time.

– Short repayment term: Payday loans typically have a short repayment term, which means you may need to make substantial payments in a short period of time.

– Impact on credit score: If you are unable to repay your payday loan on time, it can have a negative impact on your credit score.

Before taking out a payday loan, consider whether it’s the best option for your financial situation. Look at other options, such as personal loans or credit cards, and compare interest rates and fees to determine which option may be best for you.

Interesting Facts and Statistics about Payday Loans in Wadsworth, Texas

– In Texas, the total amount of payday loans taken out in 2019 was over $4 billion.

– The average payday loan in Texas is $470.

– The annual percentage rate (APR) for payday loans in Texas can be as high as 667%.

– Texas has the highest number of payday lending locations in the country, with over 3,000 locations statewide.

Apply Now

If you’ve weighed your options and determined that a payday loan is the best solution for your financial needs, TheGuaranteedLoans can help connect you with potential lenders. Simply fill out our online application form to get started.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders to help you find the best loan option for your needs.

Conclusion

Payday loans can be helpful for those in need of quick cash, but they come with risks that should be carefully considered. By understanding the legality of payday loans in Texas, the application process, and what to consider before taking out a loan, you can make an informed decision about whether a payday loan is the right choice for your financial situation.

F.A.Q.

Can I extend my payday loan in Wadsworth, Texas?

Yes, you may be able to extend your payday loan in Wadsworth, 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.

Are payday loans in Wadsworth, Texas regulated by the state government?

Yes, payday loans in Wadsworth, Texas are regulated by the state government. This includes restrictions on the maximum amount you can borrow, the maximum loan term, and the fees and charges that lenders are allowed to charge.