Payday Loans in Calliham, Texas

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

Company nameAddressZip codePhone number
Texan Credit Corporation 1632 Texoma Pkwy, Sherman, TX 75090 +1 (903) 892 - 6579
Mega Cash Title & Payday Loans 212 S Esplanade St, Cuero, TX 77954
Advance America 104 Gulf Fwy N, League City, TX 77573 +1 (281) 332 - 5003
Quick Loans America 15305 Dallas Pkwy Suite 1200, Addison, TX 75001 +1 (855) 649 - 5085
World Finance 606 State Hwy 95 Ste 400, Bastrop, TX 78602 +1 (512) 308 - 9085
Texas Property Tax Loans 2221 E Lamar Blvd, Arlington, TX 76006
Citizens State Bank 117 W 1st St, Groveton, TX 75845 +1 (936) 642 - 1444
Ware Chevrolet Buick 7795 US-83 83, Wheeler, TX 79096 +1 (855) 791 - 8086
The Bank & Trust 229 US-277, Sonora, TX 76950 +1 (325) 387 - 2593
Midwest Finance 500 E Walker St, Breckenridge, TX 76424 +1 (254) 559 - 1181

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Calliham, 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 Port Arthur, TX, Payday Loans in Richardson, TX, Same Day Loans in Rockwall, TX, 24-Hour Loan in Rosenberg, TX, Payday Loans in Round Rock, TX, Payday Loans in Rowlett, TX, Payday Loans in San Angelo, TX and Same Day Loans in San Antonio, 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 Calliham, TX.

Useful Articles

Are Payday Loans Legal In Calliham, 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

Calliham, TX payday loan calculator

Advise to read before applying

Payday loans are a type of short-term loan that can provide much-needed cash when finances are tight. These loans typically have high-interest rates and fees, making them a controversial choice for many consumers. However, in Texas, payday loans are legal. In this article, we’ll take a closer look at payday loans in Calliham, Texas, and how they work.

What is a Payday Loan?

A payday loan, also sometimes called a cash advance loan or a check advance loan, is a type of loan that is designed to provide borrowers with quick access to cash. These loans are typically short-term and have a repayment term of two weeks to one month.

Payday loans are popular among borrowers who do not have access to traditional bank loans. These types of loans are often used by individuals who have poor credit or no credit history. Payday lenders typically do not require borrowers to undergo a credit check, making these loans more accessible to a broader range of consumers.

However, payday loans are notorious for their high-interest rates and fees. In Texas, the average payday loan APR is around 660%, according to the Consumer Financial Protection Bureau (CFPB). This high-interest rate can make it difficult for borrowers to repay their loans on time, leading to a cycle of debt.

How do Payday Loans Work in Calliham, Texas?

In Texas, payday loans are legal. However, the state has enacted laws to regulate payday lending to protect consumers. Here are some of the most important regulations governing payday loans in Calliham, Texas:

Loan Amount Limits

In Texas, payday loans cannot exceed 20% of the borrower’s gross monthly income. For example, if a borrower earns $2,000 per month, the maximum loan amount they can receive is $400.

Repayment Terms

Payday loans in Texas must have a minimum term of seven days and a maximum term of 180 days. Lenders cannot require borrowers to repay their loans in installments.

Finance Charges

Payday lenders in Texas can charge up to 10% of the loan amount as a finance charge. For example, if a borrower takes out a $300 loan, the finance charge cannot exceed $30.

Advantages and Disadvantages of Payday Loans in Calliham, Texas

Advantages:

  • Easy qualification
  • Quick access to cash
  • No credit check required
  • Can be used for any purpose

Disadvantages:

  • High-interest rates and fees
  • Can lead to a cycle of debt
  • May not be a sustainable solution to long-term financial problems
  • May be subject to predatory lending practices

Applying for a Payday Loan in Calliham, Texas

If you are considering applying for a payday loan in Calliham, Texas, it is essential to do your research first. Compare rates and fees from multiple lenders to find the best deal. Look for lenders that are licensed and regulated by the state to ensure that you are working with a reputable company.

At TheGuaranteedLoans, we are not a direct lender, but we can connect you with potential lenders who may be able to offer you a loan. Our site is free to use, and you can apply for a loan online in just a few minutes. Remember, you will still be responsible for repaying the loan, so be sure to read the terms and conditions carefully before accepting any offer.

Facts and Statistics About Payday Loans in Calliham, Texas

  • Payday loans are legal in Texas but are subject to state regulations
  • The average payday loan APR in Texas is around 660%
  • Approximately 8% of Texans have taken out a payday loan
  • Payday lenders in Texas collected over $1.4 billion in fees and interest in 2019
  • Calliham, Texas has several payday lending storefronts and online lenders that offer payday loans to residents in the area

Conclusion

Payday loans can be a useful financial tool in certain situations, but they are not without risks. If you are considering taking out a payday loan in Calliham, Texas, be sure to do your research and compare rates and fees from multiple lenders. Remember, payday loans should only be used as a last resort, and other options, such as personal loans or credit counseling, may be better alternatives for long-term financial stability.

If you do decide to apply for a payday loan, be sure to use our online application to connect with potential lenders. We at TheGuaranteedLoans are here to help you find the financial assistance you need, but we also want to ensure that you make the best decision for your individual financial situation.

Apply now and get connected with potential lenders who may be able to provide you with the quick access to cash you need.

F.A.Q.

How long does it take to receive the funds from a payday loan in Calliham, Texas?

If the borrower is approved for a payday loan in Calliham, Texas, the funds are typically deposited into their checking account within one business day. However, the exact timeline may vary depending on the lender and the borrower's individual circumstances.

Can I cancel a payday loan in Calliham, Texas?

Yes, borrowers in Calliham, Texas have the right to cancel a payday loan within 72 hours of taking out the loan. To do so, the borrower must return the full amount of the loan and any associated fees to the lender.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

Accessibility: This platform's services may not be available to residents of certain states due to local regulations. To determine whether you can access this service, please review your area's legal guidelines. Additionally, be advised that the terms and conditions of this website can be altered at any time without prior notice.

Important Notice: TheGuaranteedloans.com is not a loan company and for that reason cannot determine whether or not you're eventually permitted for any advance, neither can we establish the sum of loan you might be provided. Every lending options, purchasing services and products are offered without having guarantee. When searching for deals, remember to evaluate the budgetary institution’s Terms and Conditions.

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