Payday Loans in Charlotte, Texas

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

Company nameAddressZip codePhone number
PFS Auto Finance 2201 South W S Young Drive 105b, Killeen, TX 76543 +1 (254) 432 - 5026
Cash America Pawn 1432 S State Hwy 121, Lewisville, TX 75067 +1 (972) 436 - 3643
Advance America 2029 Crockett Rd, Palestine, TX 75801 +1 (903) 723 - 2131
American Thrift 715 10th St, Wichita Falls, TX 76301 +1 (940) 766 - 3392
Your Loan Depot 1401 N Frazier St, Conroe, TX 77301 +1 (936) 703 - 5159
Toledo Finance 208 W Erwin St, Tyler, TX 75702 +1 (903) 593 - 0149
Pure Finance Texas 11811 North Fwy, Houston, TX 77060 +1 (832) 998 - 8726
Advance America 1413 N State Line Ave, Texarkana, TX 75501 +1 (903) 791 - 1100
Classic Bank 1707 W Cameron Ave, Rockdale, TX 76567 +1 (512) 446 - 9444
Marty McLean - Lone Star Mortgage Brokers, LLC 3311 Padre Blvd ste c, South Padre Island, TX 78597 +1 (956) 708 - 7733

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Charlotte, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in North Richland Hills, TX, Bad Credit Loans in Odessa, TX, Payday Loan Companies in Pasadena, TX, No Credit Check Loans in Pearland, TX, Payday Loans in Pflugerville, TX, Payday Loans in Pharr, TX, Quick Loan in Plano, TX and Payday Loans in Port Arthur, 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 Charlotte, TX.

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

78011

Are Payday Loans Legal In Charlotte, 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

Charlotte, TX payday loan calculator

Payday Loans in Charlotte, Texas

Payday loans are a type of short-term loan that can help you cover unexpected expenses until your next payday. If you live in Charlotte, Texas, you may be wondering about your options for payday loans. While payday loans are legal in Texas, it’s important to understand the regulations and risks associated with these types of loans.

How Payday Loans Work

Payday loans are typically small-dollar loans that are due in full on your next payday. To apply for a payday loan, you’ll need to provide proof of income and an active checking account. The lender will then use your next paycheck as collateral.

If you’re approved, you’ll receive the loan amount, minus any fees charged by the lender. The fees for payday loans can vary depending on the lender and the size of the loan, but they are often quite high.

On your next payday, the lender will typically deposit the loan amount, plus fees, directly into your checking account. If you’re unable to repay the loan, the lender may withdraw the amount owed, plus additional fees, from your account.

Regulations for Payday Loans in Texas

As mentioned earlier, payday loans are legal in Texas. However, the state has implemented regulations to protect borrowers. The maximum amount you can borrow with a payday loan in Texas is $1,800. Additionally, the loan term cannot exceed 180 days.

The maximum interest rate for a payday loan in Texas is 10%, and lenders are prohibited from charging fees that exceed 20% of the loan amount. This means that a $500 payday loan would incur fees of no more than $100.

Risks of Payday Loans

While payday loans can be a helpful solution for financial emergencies, they also come with significant risks. The high fees associated with payday loans can make it difficult to pay the loan back on time, leading to further financial stress.

In addition, some payday lenders may engage in predatory practices, such as offering loans to borrowers who may be unable to repay them. This can lead to a cycle of debt that can be difficult to break free from.

Interesting Facts and Statistics

  • According to a report by the Texas Office of Consumer Credit Commissioner, the average APR for a payday loan in Texas was 662% in 2019.
  • In 2019, Texans paid over $1.4 billion in payday and auto title loan fees.

Apply Now

If you’re in need of a payday loan in Charlotte, Texas, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, and we work with a network of trusted lenders to provide you with the best loan options for your needs.

Our online application process is quick and easy, and you can get started today by filling out our secure application form. We understand that financial emergencies can be stressful, and our goal is to provide you with the support you need to get through tough times.

Remember, payday loans can be a helpful solution for short-term financial needs, but they also come with risks. It’s important to carefully consider your options and only borrow what you can afford to repay. If you’re in need of financial assistance, don’t hesitate to reach out to trusted resources for guidance.

F.A.Q.

How do I apply for a payday loan in Charlotte, Texas?

To apply for a payday loan in Charlotte, Texas, you will typically need to visit a payday lender in person and provide proof of income, a valid ID, and an active checking or savings account. Some lenders may also allow you to apply online or over the phone. It is important to carefully review the terms and conditions of any payday loan before agreeing to borrow.

What are the alternatives to payday loans in Charlotte, Texas?

There are several alternatives to payday loans in Charlotte, Texas, including borrowing from friends or family, applying for a personal loan from a bank or credit union, or using a credit card. It is also possible to apply for assistance from government programs or nonprofit organizations, or to negotiate payment plans with creditors. It is important to carefully research and compare your options before deciding on a course of action.