Payday Loans in Falcon Heights, Texas

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

Company nameAddressZip codePhone number
Western Finance 310 Paul Dr, New Boston, TX 75570
First National Bank Wallis 6207 Commerce St, Wallis, TX 77485 +1 (979) 478 - 6900
Credit Central 107 N Gordon St, Alvin, TX 77511 +1 (281) 331 - 6800
SouthStar Bank, Bremond 109 S Commerce St, Bremond, TX 76629 +1 (254) 746 - 7031
American Momentum Bank 200 S Main St, Andrews, TX 79714 +1 (432) 523 - 3440
Excel Finance 1620 N Conway Ave, Mission, TX 78572 +1 (956) 580 - 0255
Western Finance 2323 Broadway Avenue J, Galveston, TX 77550 +1 (409) 765 - 5988
ACE Cash Express 5516 River Oaks Blvd B, River Oaks, TX 76114 +1 (817) 735 - 4963
Toledo Finance 2401 Sherwood Way, San Angelo, TX 76901 +1 (325) 703 - 6065
Cliff's Check Cashing 20 4312 W Camp Wisdom Rd, Dallas, TX 75237 +1 (972) 572 - 8546

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Falcon Heights, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Harlingen, TX, Payday Loans in Houston, TX, Payday Loans in Huntsville, TX, Payday Loans in Hurst, TX, Same Day Loans in Irving, TX, Payday Loans in Keller, TX, Payday Loans in Killeen, TX and No Credit Check Loans in Kyle, 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 Falcon Heights, TX.

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

78545

Are Payday Loans Legal In Falcon Heights, 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

Falcon Heights, TX payday loan calculator

Understanding Payday Loans in Falcon Heights, Texas

Payday loans can be a convenient solution for individuals that need to borrow a small amount of money quickly. These loans are often marketed as a way to bridge the gap between paychecks or cover unexpected expenses like car repairs or medical bills. However, they can also come with high interest rates and fees that can trap borrowers in a cycle of debt if they don’t carefully manage their finances.

Legal Status of Payday Loans in Texas

It’s important to note that payday loans are legal in Texas. This means that borrowers in Falcon Heights can apply for these loans without fear of legal consequences. However, there are still some rules and regulations that lenders must follow to operate within the state.

  • Maximum Loan Amount: $1,800 or 20% of the borrower’s gross monthly income
  • Maximum Term Length: 180 days
  • Interest Rate: No cap
  • Fees: No cap, but lenders must disclose all fees to the borrower
  • Cooling-Off Period: 3 days

How Payday Loans Work

The payday loan process is relatively simple. Borrowers typically complete an application online or in-person and provide proof of income and identification. If approved, the borrower receives the funds in their bank account, often within 24-48 hours.

Repayment is usually due on the borrower’s next payday, though some lenders may allow for installment payments. If the borrower can’t repay the loan on time, they may choose to roll it over, which means extending the due date in exchange for additional fees and interest.

The Pros and Cons of Payday Loans

Before deciding to take out a payday loan, it’s important to understand the potential benefits and drawbacks. Some of the pros include:

  • Quick access to cash
  • No credit check required
  • Available to borrowers with low credit scores or no credit history

However, there are also several cons to consider:

  • High interest rates and fees
  • Potential for debt cycle if not carefully managed
  • May not be available in all states or jurisdictions

Interesting Facts and Statistics About Payday Loans in Falcon Heights, Texas

  • As of 2021, there are 3 licensed payday lenders operating in Falcon Heights
  • The average payday loan amount in Texas is $472
  • According to a 2020 report, the average APR for payday loans in Texas was 664%
  • 71% of payday loan borrowers in Texas are employed

Apply Now

If you’re in need of a quick loan, TheGuaranteedLoans is here to help. As a connector service, we work with a network of reputable lenders to match borrowers with the right loan for their needs. To get started, simply fill out our online application and we’ll take care of the rest. Remember, payday loans may not be the best solution for everyone, so be sure to carefully assess your financial situation before taking out a loan.

F.A.Q.

How do I compare payday loan options in Falcon Heights, Texas?

When comparing payday loan options in Falcon Heights, Texas, it is important to consider factors such as the interest rate, fees, repayment terms, and overall cost of the loan. It is also important to research the lender and read reviews from other customers before making a decision.

Can I file a complaint about a payday lender in Falcon Heights, Texas?

Yes, if you have a complaint about a payday lender in Falcon Heights, Texas, you can file a complaint with the Texas Office of Consumer Credit Commissioner. This office is responsible for regulating payday lenders and enforcing consumer protection laws.