Payday Loans in Aiken, Texas

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

Company nameAddressZip codePhone number
check n go, Check n Go Store Directory 1970 N Central Expy 124a, McKinney, TX 75070 +1 (469) 742 - 8691
Star Loan of Texas 507 N US-83, Zapata, TX 78076 +1 (956) 765 - 1150
Western Finance 816 W Main St, League City, TX 77573 +1 (281) 557 - 9613
MAT CREDIT COMPANY 112 Horizon Blvd ste.f, Socorro, TX 79927 +1 (915) 791 - 0333
Capital Farm Credit 702 W 5th St, Clifton, TX 76634 +1 (254) 675 - 8698
First Cash Pawn 2227 N County Rd W, Odessa, TX 79763 +1 (432) 332 - 4943
Credit Central 107 N Gordon St, Alvin, TX 77511 +1 (281) 331 - 6800
Cash America Pawn 1010 N Tennessee St, McKinney, TX 75069 +1 (972) 562 - 7296
Southside Bank - Diboll 104 N Temple Dr, Diboll, TX 75941 +1 (936) 829 - 4721
Insta Cash Pawn 212 E 1st, Hughes Springs, TX 75656 +1 (903) 639 - 2635

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Aiken, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Pharr, TX, Short-term Loans in Plano, TX, Payday Loan for Port Arthur, TX, Payday Loans in Richardson, TX, Payday Loans in Rockwall, TX, Same Day Loans in Rosenberg, TX, Payday Loans in Round Rock, TX and Payday Loans in Rowlett, 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 Aiken, TX.

Are Payday Loans Legal In Aiken, 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

Aiken, TX payday loan calculator

Payday Loans in Aiken, Texas: Your Ultimate Guide

Are you in need of quick cash? Have you been considering a payday loan? Payday loans are short-term, high-interest loans designed to help individuals cover unexpected expenses or gaps in their budget. While payday loans can be helpful in a pinch, it’s important to understand the potential risks and benefits before taking one out.

If you’re a resident of Aiken, Texas, you may be wondering about the availability and regulations of payday loans in your area. In this guide, we’ll explore everything you need to know about payday loans in Aiken, Texas.

Are Payday Loans Legal in Texas?

Yes, payday loans are legal in Texas. However, there are some restrictions and regulations in place to protect consumers. For example, payday loans in Texas cannot exceed 20% of your gross monthly income.

It’s important to note that borrowing money through payday loans can come with high interest rates and fees. The APR (annual percentage rate) of payday loans in Texas can range from 400% to over 600%. Before taking out a payday loan, make sure you’re aware of the total cost, including interest and fees, and have a plan for repayment.

How Do Payday Loans Work in Aiken, Texas?

In Aiken, Texas, payday loans work similarly to those in other parts of the state. To obtain a payday loan, you’ll typically need to provide proof of income and identification. The lender will use this information to determine how much you can borrow and at what interest rate.

If you’re approved for a payday loan, you’ll receive funds either in cash or deposited directly into your bank account. Most payday loans in Texas have a term length of 14-31 days and must be paid back in full, plus interest and fees, by the due date.

The Pros and Cons of Payday Loans in Aiken, Texas

Before deciding to take out a payday loan in Aiken, Texas, it’s important to understand the potential advantages and disadvantages.

Pros:

  • Quick and easy access to cash when needed
  • No credit check required
  • Can be used to cover unexpected expenses or emergencies
  • May be an option for those with poor credit or no credit history

Cons:

  • High interest rates and fees
  • Can lead to a cycle of debt if not repaid on time
  • May not be able to cover all of your financial needs
  • Can damage your credit score if not repaid on time

Interesting Facts and Statistics

Did you know that according to the Consumer Financial Protection Bureau (CFPB), the average payday loan borrower takes out 10 or more loans per year and spends 199 days in debt? Additionally, more than 80% of payday loans are rolled over or followed by another loan within 14 days.

In Texas specifically, the average payday loan borrower takes out five loans per year and spends an average of 212 days in debt.

Apply Now

If you’re considering a payday loan in Aiken, Texas, TheGuaranteedLoans can help connect you with potential lenders. It’s important to note that we are not a direct lender, but rather a connector service that can help facilitate the loan process. Fill out our simple online application to get started. Remember, it’s important to borrow only what you need and have a plan for repayment.

The Bottom Line

Payday loans in Aiken, Texas can be a helpful option for those facing unexpected expenses or financial challenges. However, it’s important to understand the potential risks and benefits before taking out a loan. Make sure to borrow only what you need and have a plan for repayment to avoid falling into a cycle of debt. By understanding the regulations and using resources like TheGuaranteedLoans, you can make an informed decision about whether a payday loan is right for you.

F.A.Q.

What are the fees and interest rates associated with payday loans in Aiken, Texas?

Payday loans in Aiken, Texas have a maximum APR of 661%. Lenders are also allowed to charge a loan origination fee of up to $10 per $100 borrowed, as well as a database verification fee of up to $2.50 per loan.

Can I rollover my payday loan in Aiken, Texas?

No, rollovers are not allowed for payday loans in Aiken, Texas. Borrowers who cannot repay their loan on the due date may be able to request an extended payment plan, but this is not guaranteed.