Payday Loans in China, Texas

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

Company nameAddressZip codePhone number
Pilgrim Bank 123 E 3rd St, Clarendon, TX 79226 +1 (806) 874 - 2080
Cash America Pawn 2321 E 7th St, Austin, TX 78702 +1 (512) 476 - 0377
Security Finance 805 Hillcrest Dr, Vernon, TX 76384 +1 (940) 552 - 2088
Tiempo Loans 2636 Spencer Hwy D, Pasadena, TX 77504 +1 (713) 946 - 3030
State National Bank 801 N 4th St, Lamesa, TX 79331 +1 (806) 872 - 8808
Gold-N-Pawn 1415 S Main St, Weatherford, TX 76086 +1 (817) 599 - 7296
EZPAWN 1416 W Oaklawn Rd Unit H, Pleasanton, TX 78064 +1 (830) 569 - 3384
World Finance 534 10th St Ste C-1, Floresville, TX 78114 +1 (830) 393 - 2080
Atlas Credit Co., Inc. 1332 N University Dr, Nacogdoches, TX 75961 +1 (936) 560 - 6377
Double Financial Works Ltd 101 Main St, Kerrville, TX 78028 +1 (830) 792 - 5255

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in China, TX, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Grapevine, TX, No Credit Check Loans in Haltom City, TX, Payday Loan Companies in Harlingen, TX, Online Loans in Houston, TX, Payday Loans in Huntsville, TX, Payday Loans in Hurst, TX, Emergency Loan in Irving, TX and Payday Loan for Keller, 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 China, TX.

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

77613

Are Payday Loans Legal In China, 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

China, TX payday loan calculator

Advise to read before applying

Understanding the Payday Loan Situation in China, Texas

If you live in Texas, you may have seen roadside signs advertising ‘Payday Loans’ or ‘Quick Cash’. Payday lending is just one of the many subprime lending practices that have become popular in the US. In this article, we will explore the state of payday loans in China, Texas, and the regulations surrounding them.

What are Payday Loans?

A payday loan is a small, short-term loan that is intended to cover a borrower’s expenses until they receive their next paycheck. Depending on the lender, payday loans can range from $50 to $1500. Payday loans typically come with high fees and interest rates, making it difficult for borrowers to repay them on time.

Payday Loan Regulations in Texas

In Texas, payday loans are legal under state law. However, the state has enacted specific regulations to protect borrowers from predatory lending practices. The Texas Fair Lending Alliance has been instrumental in pushing for these regulations.

Under Texas law, a payday loan cannot exceed $1,800 and must have a term of 180 days or less. The fees on the loan also cannot exceed 10% of the principal. Lenders are required to disclose the total cost of the loan and the APR to the borrower. Additionally, borrowers are eligible for an extended payment plan if they are unable to repay the loan on time.

Despite these regulations, payday lending remains a controversial topic in Texas. Consumer advocates argue that payday loans trap borrowers in a cycle of debt, while lenders argue that they are necessary for individuals who are unable to access traditional forms of credit.

Interesting Facts and Statistics

– In 2019, Texans borrowed $9.5 billion in payday loans.
– The average APR for payday loans in Texas is 661%.
– There are more payday lending storefronts in Texas than there are McDonald’s locations.
– In 2020, the Texas Supreme Court ruled that certain lenders could not avoid state usury laws by partnering with out-of-state banks.

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If you’re in need of a payday loan, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service, not a direct lender, so you can rest assured that we will facilitate the process of connecting you with potential lenders. Simply fill out our online application to get started.

Conclusion

Payday lending remains a popular yet controversial topic in the US. While Texas has put regulations in place to protect borrowers, it is crucial for individuals to understand the high fees and interest rates associated with these loans. If you do need to take out a payday loan, make sure to read the terms and conditions carefully and understand the total cost of the loan before agreeing to it.

F.A.Q.

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

To apply for a payday loan in China, Texas, you will need to provide proof of income and identification, as well as a valid checking or savings account. You can apply online or in person at a payday loan store.

What are the repayment terms for payday loans in China, Texas?

Repayment terms for payday loans in China, Texas vary by lender, but most require repayment within 14 days. Some lenders may offer extended repayment plans, but this may result in additional fees and interest charges.

Look for Short-Term Loans in Other Cities:

Abilene Alice Allen Amarillo Arlington Austin Baytown Beaumont Bedford Brownsville Bryan Burleson Carrollton Cedar Hill Cedar Park Channelview College Station Conroe Coppell Copperas Cove Corpus Christi Dallas DeSoto Deer Park Del Rio Denton Duncanville Edinburg El Paso Euless Farmers Branch Flower Mound Fort Worth Friendswood Frisco Galveston Garland Georgetown Grand Prairie Grapevine Haltom City Harlingen Houston Humble Huntsville Hurst Irving Keller Killeen Kyle La Porte Lancaster Laredo League City Leander Lewisville Little Elm Longview Lubbock Lufkin Mansfield McAllen McKinney Mesquite Midland Mission Missouri City Nacogdoches New Braunfels North Richland Hills Odessa Pasadena Pearland Pflugerville Pharr Plano Port Arthur Richardson Rockwall Rosenberg Round Rock Rowlett San Angelo San Antonio San Juan San Marcos Schertz Sherman Socorro Southlake Spring Sugar Land Temple Texarkana Texas City The Colony Tyler Victoria Waco Waxahachie Weslaco Wichita Falls Wylie
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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.

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