Payday Loans in Wheelock, Texas

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

Company nameAddressZip codePhone number
Jackson Hewitt Tax Service 1915 TX-71, La Grange, TX 78945 +1 (979) 943 - 5207
Wells Fargo Bank 538 10th St, Floresville, TX 78114 +1 (830) 393 - 3577
Zip Cash 203-B E Coke Rd, Winnsboro, TX 75494 +1 (903) 342 - 1512
Security Finance 110 E Viggie St, Hebbronville, TX 78361 +1 (361) 527 - 3201
DolEx Dollar Express 1916 Walnut Plaza, Carrollton, TX 75006 +1 (888) 246 - 2527
CommunityBank of Texas 296 TX-62, Buna, TX 77612 +1 (409) 994 - 5954
Community Resource Credit Union 11001 Eagle Dr, Mont Belvieu, TX 77523 +1 (281) 422 - 3611
Ellyson Abstract 410 N 5th St, Alpine, TX 79830 +1 (432) 837 - 5801
Prosperity Bank - Lakeway - Drive Thru Only 1415 Ranch Rd 620 S, Austin, TX 78734 +1 (512) 261 - 1122
Arrowhead Bank 301 E Wallace St 301, San Saba, TX 76877 +1 (325) 372 - 5183

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wheelock, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in San Antonio, TX, Short-term Loans in San Juan, TX, No Credit Check Loans in San Marcos, TX, No Credit Check Loans in Schertz, TX, Payday Loans in Sherman, TX, Guaranteed Loans in Socorro, TX, Payday Loans in Southlake, TX and Payday Loans in Spring, 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 Wheelock, TX.

Are Payday Loans Legal In Wheelock, 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

Wheelock, TX payday loan calculator

Understanding Payday Loans in Wheelock, Texas

If you need quick access to cash, payday loans may seem like an attractive option. They provide short-term loans, often due on your next pay date, which can help you cover unexpected expenses or emergencies.

Payday loans are legal in Texas, including in Wheelock. But before you apply, it’s important to understand how these loans work, the fees involved, and your rights as a borrower.

What are Payday Loans?

Payday loans are short-term loans that typically range from $100 to $1,000. They are designed to provide cash to borrowers who need it between paychecks, with the expectation that the loan will be repaid when the borrower receives their next paycheck.

The loan amount and fees are typically due in full on the borrower’s next payday, which can be as soon as two weeks after the loan is issued. Some lenders allow borrowers to extend the loan term, but this often comes with additional fees and interest.

How Do Payday Loans Work in Wheelock, Texas?

In Wheelock, payday loans are subject to the rules and regulations set by the Texas Office of Consumer Credit Commissioner. This includes maximum loan amounts, fees, and interest rates.

The maximum loan amount in Texas is $1,800, with fees capped at 10% of the loan amount. This means that if you borrow $500, you can expect to pay up to $50 in fees.

In addition, Texas law requires payday lenders to disclose the annual percentage rate (APR) of the loan. The APR takes into account both the interest rate and all other fees associated with the loan. In Texas, the maximum APR for payday loans is 662.14%.

Are Payday Loans Right for You?

While payday loans can provide emergency cash when you need it, they also come with high fees and interest rates. If you’re considering a payday loan in Wheelock, Texas, it’s important to consider your other options.

One alternative to payday loans is a personal installment loan. These loans allow you to borrow a larger sum of money and pay it back in smaller, more manageable installments over a longer period of time.

Another option is to explore local assistance programs or to seek help from friends and family. Many community organizations offer financial assistance and resources to those in need.

The Bottom Line

Payday loans can be a helpful solution in certain financial situations, but they also come with risks and high fees. If you’re considering a payday loan in Wheelock, Texas, it’s important to understand your rights as a borrower and to explore all of your options before making a decision.

Interesting Facts and Statistics:

  • According to the Texas Office of Consumer Credit Commissioner, there were over 2 million payday loans issued in Texas in 2020.
  • On average, Texans paid $23.87 in fees for every $100 borrowed in payday loans in 2020.
  • A 2019 study by the Pew Charitable Trusts found that 8% of Texas adults have taken out a payday loan in the past year.

Apply Now

If you’ve considered your options and decided that a payday loan is the right solution for you, apply now through TheGuaranteedLoans. We are a connector service that can help you connect with potential lenders who may be able to offer you a loan.

Remember, we are not a direct lender and do not make credit decisions. But we can help you navigate the lending process and find a lender who may be able to meet your needs.

To get started, fill out our online application today.

F.A.Q.

Are there any fees or charges associated with payday loans in Wheelock, Texas?

Yes, there are fees and charges associated with payday loans in Wheelock, Texas. These may include application fees, origination fees, interest charges, and late payment fees. It is important to carefully review the terms and conditions of your payday loan to understand all of the fees and charges you may be responsible for.

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

If you are unable to repay your payday loan in Wheelock, 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.