Payday Loans in Texas

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Are payday loans legal in Texas?

Yes. Payday loans are legal in Texas. However, the amount you will qualify for depends on your income. Payday loan lenders in Texas all have caps, and some of them have a soft cap. What is a cap? A cap is the highest amount of money that anyone in Texas can borrow from them at one time in 1 year. When you reach the cap, you cannot make any more payday loan applications.

Note: Some lenders offer a hard cap and a soft cap. The hard cap means their staff will not accept another application from you unless that application exceeds federal or state laws. They put this in place to protect themselves from lawsuits for lending too much money to a single person. A soft cap means they will accept but will reject the application after one week with no explanation except saying “not enough money.”

By law, if you do not qualify for further payday loans, the lender must refund all your application fees plus post-dated checks that you sent together with your application and rejection letter.

In Texas, there are laws that determine whether payday loans are legal. There are a few states that are tough on payday loans. For example, Texas has a limit on payday loans, so the cost of a payday loan is not as high in Texas.

For example, in Texas, the law says that you should not have to pay more than 15% in interest on a payday loan. The cost of a payday loan is determined by many factors. These factors include the amount of the loan, the loan term, and the number and frequency of payments.

In Texas, you can borrow $500 to $1,500 and pay back the loan in installments of $50 to $250 per two-week period. You will need to make at least eight payments to pay back the loan.

How much will a payday loan cost me?

You probably have heard about this type of loan because people might talk about getting a loan like this one. A payday loan is one of the fastest ways to get money when you need it. A payday loan can get you the money you need within 24 hours or less. If you take out a payday loan, you have the choice of a one-time payment or a series of repeated payments over several months. If you have trouble making payments, you might be able to extend your loan. In addition, you might qualify for other credit products and other financial services, based on your credit score. You should understand that if you choose a payday loan, you will need to make a payment to the lender when you get your next paycheck.

Can you go to jail for not paying a payday loan in Texas?

No, unless the lender reports you to authorities for not paying a payday loan. You will need to show proof of why you cannot pay. The courts can garnish your wages or place an income withholding order against you.

Important Facts about Payday Loans in Texas.

  1. You must always read the loan disclosures and ask questions when you have them. 
  2. You cannot qualify for a payday loan if you do not have the ability to repay it back on your next payday.
  3. A payday loan is very different than other loans. The lender, and not the state or federal government, sets the terms of the loan and all associated fees.
  4. Most payday loans are made for a term of 14 days. Therefore, you have two weeks to pay back the amount that you took plus the fee associated with the loan.
  5. Never take out a new payday loan to pay off an existing payday loan. This will prolong your debt and cause much more expensive fees. If you cannot make the payment by your next payday, pay it back by other means, such as savings, unemployment benefits, another form of credit (like a credit card or home equity line), or borrow from friends and family.

What do I need to apply for a payday loan in Texas?

  • The minimum age to receive a payday loan in Texas is 18 years of age, and the maximum age is 65 years of age.
  • You will need to have a social security number, bank account, and a steady source of income.
  • You will need a permanent job and to have been employed for at least three months with your employer.
  • You must have a checking account to receive a payday loan. You will need to pass a credit check to make sure you have good credit.
  • If you are under the age of 18, you will need a parent or guardian with you when you take out a loan.
  • You will also need to read the loan agreement carefully and understand the fees and interest charges associated with the loan.

Look for Payday Loans in all Cities of Texas

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