Payday Loans in Winfield, Texas

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

Company nameAddressZip codePhone number
ATM Transfund 700 S Industrial Blvd, Euless, TX 76040 +1 (800) 627 - 3999
Cash America Pawn 2301 Central Dr Suite A, Bedford, TX 76021 +1 (817) 835 - 0898
World Finance 2637 S Cooper St, Arlington, TX 76015 +1 (817) 419 - 3645
Security Finance 123 S International Blvd, Suite C, Hidalgo, TX 78557
Sun Loan Company 808 Main St D, Liberty, TX 77575 +1 (936) 336 - 7611
Goldstar Finance 1100 Pasadena Blvd, Pasadena, TX 77506 +1 (713) 589 - 1600
World Finance 123 E Main St, Atlanta, TX 75551 +1 (903) 796 - 5187
Check 'n Go 2005 TX-121, Bonham, TX 75418 +1 (903) 583 - 5666
Community National Bank & Trust of Texas 101 N Mount St, Fairfield, TX 75840 +1 (903) 389 - 2265
TitleMax Title Loans 1535 E Hwy 190, Copperas Cove, TX 76522 +1 (254) 518 - 1452

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Winfield, TX, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Rowlett, TX, Payday Loans in San Angelo, TX, Emergency Loan in San Antonio, TX, Quick Loan in San Juan, TX, Payday Loans in San Marcos, TX, Payday Loans in Schertz, TX, Emergency Loan in Sherman, TX and No Credit Check Loans in Socorro, 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 Winfield, TX.

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

75493

Are Payday Loans Legal In Winfield, 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

Winfield, TX payday loan calculator

Understanding Payday Loans in Winfield, Texas

Payday loans, also known as cash advances or paycheck advances, are short-term loans designed to help individuals cover unexpected expenses. These loans typically range from $100 to $1,000 and are meant to be repaid in full on the borrower’s next payday. In Winfield, Texas, payday loans are legal, but there are strict regulations that must be followed to protect consumers.

Qualifying for a Payday Loan in Winfield, Texas

Qualifying for a payday loan in Winfield, Texas is relatively simple. To be eligible for a loan, you must:

  • Be at least 18 years old
  • Have a valid ID
  • Have a steady source of income
  • Have an active checking account

While credit checks are not typically required to obtain a payday loan, lenders may perform other checks to verify the borrower’s identity and financial stability.

The Cost of a Payday Loan in Winfield, Texas

Payday loans in Winfield, Texas carry significant costs. While the state does not regulate the fees and interest rates lenders may charge, it does require them to disclose these figures to borrowers in writing.

Typically, a payday loan will carry an interest rate of between 400% and 700%. In addition, lenders may charge administrative fees, finance charges, and late payment fees. These costs can quickly add up, making it difficult for borrowers to repay their loans in a timely manner.

Risks and Alternatives

While payday loans can be a useful tool for those facing unexpected expenses, they carry significant risks. The high interest rates and fees associated with payday loans can trap borrowers in a cycle of debt, making it difficult to escape financial hardship. As such, it is important to consider all options before applying for a payday loan in Winfield, Texas.

Alternative options may include personal loans, credit cards, or emergency financial assistance programs offered by local charities or government organizations. These options may carry lower interest rates and fees, making them a more affordable alternative to expensive payday loans.

Interesting Facts and Statistics About Payday Loans in Winfield, Texas

  • In Texas, the average payday loan amount is $470, with an average annual percentage rate (APR) of 661.79%.
  • The average payday loan in Winfield is $345, with an average APR of 633.55%.
  • In 2019, Texans paid over $1.7 billion in fees and interest on payday loans.
  • Approximately 8% of Texans have taken out a payday loan at some point.

Apply Now

If you are facing unexpected expenses and are considering a payday loan in Winfield, Texas, TheGuaranteedLoans can help. We are a reliable connector service that can help you find potential lenders who can offer a payday loan that best suits your financial needs. Our online application process is quick and easy, and we work with a network of trusted lenders who can offer you competitive rates and flexible repayment terms. Apply now and take the first step towards financial stability!

Note: TheGuaranteedLoans is a connector service, not a direct lender. We will facilitate your connection with potential lenders, but we do not determine loan terms or conditions. Please read and understand the terms of any loan before accepting and signing a contract.

F.A.Q.

Are payday loans legal in Winfield, Texas?

Yes, payday loans are legal in Winfield, Texas. The Texas Office of Consumer Credit Commissioner regulates the payday lending industry in the state.

How much can I borrow with a payday loan in Winfield, Texas?

The maximum amount that can be borrowed with a payday loan in Winfield, Texas is $500. However, lenders may not lend more than 20% of the borrower's gross monthly income or 25% of their net income.