Payday Loans in Washington, Texas

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

Company nameAddressZip codePhone number
Texan Credit Corporation 228 Main St, Hereford, TX 79045 +1 (806) 363 - 1300
Friendly's Check Cashing 3318 E Jefferson St, Grand Prairie, TX 75051 +1 (972) 264 - 6669
Toledo Finance Corporation 204 N Main St, Taylor, TX 76574 +1 (512) 352 - 5100
First Cash Pawn 2407 W Oak St, Palestine, TX 75803 +1 (903) 729 - 0358
World Finance 525 W Pioneer Pkwy Ste 549 Ste 549, Grand Prairie, TX 75051 +1 (972) 263 - 7247
Caedmon Commercial Capital 2505 Miller Ln 108, Pantego, TX 76013 +1 (817) 725 - 8600
Loans To Go 307 S Cage Blvd, Pharr, TX 78577 +1 (956) 782 - 2142
Sun Loan Company 1206 W Monte Cristo Rd Ste B, Edinburg, TX 78541 +1 (956) 720 - 4324
ACE Cash Express 3330 N Galloway Ave Ste 275 Ste 275, Mesquite, TX 75150 +1 (972) 613 - 9889
CashMax Title & Loan 3117 Kemp Blvd, Wichita Falls, TX 76308 +1 (940) 692 - 2274

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Washington, TX, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in League City, TX, Online Loans in Leander, TX, Payday Loans in Lewisville, TX, Payday Loans in Little Elm, TX, Payday Loans in Longview, TX, Payday Loans in Lubbock, TX, Payday Loans in Lufkin, TX and Payday Loans in Mansfield, 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 Washington, TX.

Are Payday Loans Legal In Washington, 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

Washington, TX payday loan calculator

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

Payday loans are a common form of short-term borrowing that are often used by people who need money in a hurry. These loans are typically used to cover unexpected expenses or to bridge gaps in income between paychecks. Payday loans can be a convenient option for those who need cash quickly, but it is important to understand the terms and conditions of these loans before you take out one.

What Are Payday Loans?

Payday loans are short-term loans that typically need to be paid back on your next payday. In Washington, Texas, payday loans are legal, and the state has established regulations to protect borrowers from predatory lending practices. The payday loan industry is regulated by the Texas Office of Consumer Credit Commissioner.

What Are the Requirements for a Payday Loan in Washington, Texas?

Before you can take out a payday loan in Washington, Texas, you need to meet certain criteria. You must be at least 18 years old, have a steady source of income, and have an active checking account. You will also need to provide identification and proof of income.

How Much Can You Borrow with a Payday Loan in Texas?

The maximum amount you can borrow with a payday loan in Texas is $1,800. The amount you can borrow will depend on your income and other factors. It is important to consider whether you will be able to repay the loan on time before you borrow any money.

What Are the Fees and Interest Rates for Payday Loans in Washington, Texas?

The fees and interest rates for payday loans in Texas are regulated by the Texas Office of Consumer Credit Commissioner. The maximum amount you can be charged for a payday loan in Texas is 10% of the loan amount plus $30. For example, if you borrow $500, the maximum fee would be $80. However, the interest rate can be significantly higher.

It is essential to carefully read the terms and conditions of any payday loan you are considering and understand the fees and interest rates involved.

What Are the Alternatives to Payday Loans in Texas?

If you need cash, there are several alternatives to payday loans available in Texas. You can consider a personal loan from a bank or credit union, which usually has a more extended repayment period and lower interest rates. You can also look into a cash advance on your credit card or taking out an installment loan.

Payday Loan Facts in Texas

  • In Texas, the average payday loan size is $470, and the average fee is $22 per $100 borrowed.
  • According to a study by the Pew Charitable Trusts, 75% of payday loan borrowers in Texas need to take out another loan within two weeks of paying off their previous loan.
  • In 2019, the Texas Senate passed a bill requiring payday loan establishments to clearly disclose the fees and interest rates associated with payday loans.
  • According to a report by the Consumer Financial Protection Bureau, 80% of payday loans in Texas are renewed within two weeks, and the average borrower takes out eight loans a year.

Apply Now

If you need a payday loan in Washington, Texas, TheGuaranteedLoans can help connect you to potential lenders. As a connector service, we will not lend you the money ourselves, but we can facilitate your connection with lenders who may be able to help. Fill out our online application today to see if you qualify.

F.A.Q.

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

Yes, if you default on a payday loan in Washington, 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.