Payday Loans in Wallisville, Texas

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

Company nameAddressZip codePhone number
Spirit of Texas Bank 1120 Summit Ave Suite 100, Fort Worth, TX 76102 +1 (817) 287 - 5555
ACE Cash Express 1095 Wynnewood Plaza, Dallas, TX 75224 +1 (214) 946 - 2274
DAB Loans, LLC 1701 Ave K, Hondo, TX 78861
Cash In A Flash 1020 S 31st St, Temple, TX 76504 +1 (254) 773 - 0776
Cash Store 101 E Morrison Rd Ste C, Brownsville, TX 78526 +1 (956) 350 - 3391
MCBank 135 N Pecan St, Hico, TX 76457 +1 (254) 796 - 4221
Western Finance 419 W Main St, Brownfield, TX 79316 +1 (806) 637 - 4242
Excel Finance 78 Flag Lake Dr, Lake Jackson, TX 77566 +1 (979) 480 - 0933
Republic Finance 1928 S Seguin Ave Suite 108, New Braunfels, TX 78130 +1 (830) 643 - 0334
Western Finance 125 E Elm St, Hillsboro, TX 76645 +1 (254) 582 - 3191

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wallisville, TX, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Arlington, TX, Payday Loans in Austin, TX, Payday Loans in Baytown, TX, Payday Loans in Beaumont, TX, Emergency Loan in Bedford, TX, Payday Loan Without a Credit Check in Brownsville, TX, Payday Loans in Bryan, TX and Payday Loans in Burleson, 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 Wallisville, TX.

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

77597

Are Payday Loans Legal In Wallisville, 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

Wallisville, TX payday loan calculator

Payday Loans in Wallisville, Texas: What You Need to Know

If you’re considering a payday loan in Wallisville, Texas, it’s important to understand the benefits, risks, and legal requirements of these types of loans. In this article, we’ll explore the basics of payday loans, how they work, and what you need to do to qualify.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan that is usually due on your next payday. These loans are typically marketed to people who have a temporary need for cash, such as an unexpected bill or expense that cannot wait until the next paycheck.

Payday loans are known for their high interest rates and fees. In Texas, the maximum amount you can borrow is $1,800, and the interest rate can be as high as 662.57% APR for a 14-day loan. This means that if you borrow $500 for two weeks, you could end up paying back as much as $630.75.

The Benefits of Payday Loans

  • Quick and convenient approval process
  • No credit check requirements
  • Easy to qualify for with a steady income and bank account

Because payday loans are designed for short-term cash needs, they can be a helpful solution if you need money quickly and don’t have access to other forms of credit.

The Risks of Payday Loans

  • High interest rates and fees
  • Potential for debt trap if you can’t pay back on time
  • Risk of theft or fraud if you provide personal information to unscrupulous lenders

It’s important to understand the risks associated with payday loans before you apply. If you can’t pay back the loan on time, you could end up trapped in a cycle of debt with additional fees and interest piling up. Additionally, there are bad actors in the industry who may steal your personal information or engage in fraudulent practices.

Legal Requirements for Payday Loans in Texas

Payday loans are legal in Texas, but there are important legal requirements that lenders must follow. For example:

  • The lender must be licensed by the Office of Consumer Credit Commissioner
  • The loan amount cannot exceed 20% of your gross monthly income
  • The loan term cannot exceed 180 days
  • Lenders cannot charge fees that exceed 10% of the loan amount
  • Lenders must disclose all fees, interest rates, and terms of the loan before you sign the agreement

It’s important to work with a licensed lender who follows these legal requirements to protect yourself from predatory lending practices.

Facts and Statistics About Payday Loans in Wallisville, Texas

  • In 2020, Texans took out 10.2 million payday loans with an average loan amount of $466.
  • According to the Texas Fair Lending Alliance, 75% of payday loans in Texas are taken out by people who renew their loans within two weeks.
  • In Wallisville, Texas, there are several licensed payday lenders who follow the legal requirements set forth by the state.

How to Apply for a Payday Loan

If you’re interested in applying for a payday loan, you can start the process online by filling out an application on TheGuaranteedLoans website. We are a connector service, which means we’ll match you with potential lenders who meet your needs.

When you apply for a payday loan, you will need to provide basic information such as your name, address, and employment status. You will also need to provide your bank account information so the lender can deposit the funds and withdraw payments.

Conclusion

Payday loans can be a helpful solution if you need money quickly and have no other options. However, it’s important to understand the risks and legal requirements associated with these types of loans before you apply. Work with a licensed lender who follows the state regulations and protects your personal information. If you’re ready to apply for a payday loan, visit TheGuaranteedLoans website to get started.

Disclaimer: TheGuaranteedLoans is not a direct lender. We are a connector service that matches you with potential lenders who meet your needs. The information provided in this article is for educational purposes only and does not constitute financial advice.

F.A.Q.

What information do I need to provide when applying for a payday loan in Wallisville, Texas?

When applying for a payday loan in Wallisville, Texas, borrowers will typically need to provide proof of income, a valid government-issued ID, and proof of a checking account. Lenders may also require additional information, such as references or proof of residence.

How long does it take to receive the funds from a payday loan in Wallisville, Texas?

If the borrower is approved for a payday loan in Wallisville, Texas, the funds are typically deposited into their checking account within one business day. However, the exact timeline may vary depending on the lender and the borrower's individual circumstances.