Payday Loans in Willow Park, Texas

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

Company nameAddressZip codePhone number
MSB Money Stop, Inc. 1701 E Grand Ave, Marshall, TX 75670 +1 (903) 935 - 0111
First Basin Credit Union 1205 NE 1st St, Andrews, TX 79714 +1 (432) 333 - 5600
IBC Bank 200 S Pecan Ave, Luling, TX 78648 +1 (830) 875 - 2445
Skel Tex Credit Union 404 Main St, Skellytown, TX 79080 +1 (806) 848 - 2413
Yoakum National Bank 301 W Grand Ave, Yoakum, TX 77995 +1 (361) 293 - 5225
Sun Loan Company 302 N Main St, Bryan, TX 77803 +1 (979) 779 - 8133
Capital Farm Credit 120 Broadway Ave, Winnie, TX 77665 +1 (409) 400 - 4066
DHLC Investments, Inc. 4300 N Central Expy 400, Dallas, TX 75206 +1 (214) 501 - 5151
Woodforest National Bank 603 TX-243, Canton, TX 75103 +1 (903) 567 - 7937
Cash America Pawn 140 N Saginaw Blvd, Saginaw, TX 76179 +1 (817) 306 - 9684

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Willow Park, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in College Station, TX, Online Loans in Conroe, TX, Payday Loans in Coppell, TX, Payday Loans in Copperas Cove, TX, No Credit Check Loans in Corpus Christi, TX, Online Loans in Dallas, TX, Payday Loans in Deer Park, TX and Payday Loan for Del Rio, 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 Willow Park, TX.

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

76087

Are Payday Loans Legal In Willow Park, 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

Willow Park, TX payday loan calculator

Payday Loans in Willow Park, Texas

If you’re a resident of Willow Park, Texas, you may have found yourself in a difficult financial situation at one point or another. Whether it’s an unexpected bill, car repair, or medical emergency, financial emergencies can arise when you least expect it. If you don’t have savings or access to traditional loans, a payday loan may be an option to consider. In this article, we’ll dive into what payday loans are, their regulations in Texas, and what to consider before applying.

What are Payday Loans?

Payday loans are short-term, high-interest loans that are meant to tide over borrowers until their next payday. They typically range from $100 to $1,000, and are meant to be paid back within two weeks or on the borrower’s next payday. These loans may be attractive to those who have bad credit or limited access to traditional credit.

It’s important to note that payday loans are a form of high-cost credit and can lead to a cycle of debt if not used responsibly. Borrowers who are unable to repay their loans on time may end up taking out additional loans to cover the initial loan’s fees and interest, leading to a cycle of borrowing and debt.

Regulations in Texas

Payday loans are legal in Texas, with regulations enforced by the Texas Office of Consumer Credit Commissioner. In Texas, payday loans can have a maximum amount of $1,800 with a term of 1 to 6 months. The interest rate can reach up to 662.14% APR for a two-week loan, and the maximum fee is 20% of the loan amount. However, Texas also offers protections for borrowers, such as:

  • Borrowers have the right to an installment plan if they’re unable to repay their loan on time.
  • Lenders are required to provide borrowers with a disclosure statement outlining the loan terms, fees, and the annual percentage rate (APR).
  • Borrowers have the right to a cooling-off period of three business days after taking out a loan, during which they can cancel the loan and return the funds without penalty.

Considerations Before Applying

Before applying for a payday loan, it’s essential to consider whether it’s the right choice for your financial situation. Here are some things to keep in mind:

  • Payday loans are designed to be short-term solutions and are not recommended for long-term financial problems.
  • The fees and interest rates on payday loans can be very high, so it’s important to understand the total cost of the loan before borrowing.
  • Missing payments on a payday loan can lead to additional fees and interest and can negatively affect your credit score.
  • It’s important to only borrow what you can realistically pay back on time.

Interesting Facts and Statistics

Did you know that in Texas, payday lenders collected over $1.4 billion in fees alone in 2019? According to a report by the Texas Fair Lending Alliance, payday and auto title loans cost Texans over $4 billion each year in fees alone. Additionally, the average APR for a payday loan in Texas is 574%, while the average APR for a credit card is 16%.

Apply Now

If you’re considering a payday loan, TheGuaranteedLoans can help connect you with potential lenders. We’re a connector service, not a direct lender, which means we work with a network of lenders to help you find the best loan option for you. Our online application process is easy and straightforward, and you can get started by filling out our online form. Remember to only borrow what you can realistically pay back, and to always read and understand the loan terms and repayment schedule before signing any agreement.

F.A.Q.

Can I file a complaint about a payday lender in Willow Park, Texas?

Yes, if you have a complaint about a payday lender in Willow Park, Texas, you can file a complaint with the Texas Office of Consumer Credit Commissioner. This office is responsible for regulating payday lenders and enforcing consumer protection laws.

Are there any restrictions on the number of payday loans I can take out in Willow Park, Texas?

Yes, Texas law limits the number of payday loans that an individual can take out at one time. The maximum number of payday loans that can be outstanding at any given time is three.