Payday Loans in Florence, Texas

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

Company nameAddressZip codePhone number
Texan Credit Corporation 4905 N Navarro St ste b, Victoria, TX 77904 +1 (361) 576 - 9080
Pilgrim Bank 123 E 3rd St, Clarendon, TX 79226 +1 (806) 874 - 2080
Wells Fargo Bank 923 Cooper St, Brookshire, TX 77423 +1 (281) 375 - 5406
BBVA Bank 1410 S Main St, Boerne, TX 78006 +1 (830) 249 - 3547
TitleMax Title Loans 121 W Debbie Ln Suite 117, Mansfield, TX 76063 +1 (817) 203 - 1269
Western Finance 3101 S Western St Unit 6, Amarillo, TX 79109 +1 (806) 358 - 0505
Loans To Go 307 S Cage Blvd, Pharr, TX 78577 +1 (956) 782 - 2142
Community Finance Inc 559 10th St 3, Floresville, TX 78114 +1 (830) 393 - 8878
Riata Finance 540 10th St # 124, Floresville, TX 78114
Texas Regional Bank 401 N St Marys St, Falfurrias, TX 78355 +1 (361) 325 - 5646

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Florence, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Richardson, TX, Payday Loan Companies in Rockwall, TX, Quick Loan in Rosenberg, TX, Payday Loans in Round Rock, TX, Payday Loans in Rowlett, TX, Payday Loans in San Angelo, TX, Short-term Loans in San Antonio, TX and Payday Loans in San Juan, 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 Florence, TX.

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

76527

Are Payday Loans Legal In Florence, 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

Florence, TX payday loan calculator

Understanding Payday Loans in Florence, Texas

Payday loans are short-term loans that provide quick financial relief to individuals in need of emergency funds. These loans are typically small, with lenders offering amounts ranging from $100 to $1,500. Borrowers are required to pay back the loan within a few weeks, or on their next payday, hence the name “payday loans.”

In Texas, payday loans are legal, but the laws and regulations governing them vary depending on the city and state. Here, we’ll delve into payday loans in Florence, Texas and what you need to know about them.

How Do Payday Loans Work in Florence, Texas?

In Florence, Texas, individuals in need of quick cash can easily obtain payday loans. Below is a breakdown of the loan application process:

  • Visit a payday loan provider’s store in Florence, Texas, or apply for one online.
  • Fill out an application form and provide the necessary personal information, such as your name, address, employment status, and your monthly income.
  • Provide the lender with a post-dated check or electronic access to your bank account.
  • Wait for the lender to approve your loan application.
  • Receive funds in your account or through cash, generally within 24 hours of approval.
  • Pay back the loan on the due date, which is usually within two weeks of receiving the funds.

What Are the Fees and Charges Associated with Payday Loans in Florence, Texas?

Payday loans in Florence, Texas, like any other payday loan in Texas, come with high-interest rates. On average, lenders charge 661% APR on payday loans in Texas, based on the latest data from the Texas Office of Consumer Credit Commissioner.

In addition to the high-interest rates, payday loan lenders in Florence, Texas charge additional fees, such as:

  • Origination Fees – These are fees charged by the lender for processing your loan application.
  • Collection Fees – These are fees charged by the lender if a borrower fails to pay on time.
  • Nonsufficient Funds Fees – Payday loan lenders charge this fee if the borrower’s check bounces or there isn’t enough funds in their account.

What Are the Requirements for Obtaining a Payday Loan in Florence, Texas?

To obtain a payday loan in Florence, Texas, borrowers must meet the following requirements:

  • Be at least 18 years of age.
  • Have a valid government-issued ID.
  • Provide proof of income and residence.
  • Provide contact information, including a phone number and email address.

Interesting Facts and Statistics About Payday Loans in Florence, Texas

  • In Florence, Texas, payday lenders are required by law to provide you with a written contract that outlines the terms of your loan.
  • In Texas, borrowers cannot be charged criminal penalties for failing to repay a payday loan, but they can be charged additional fees and interest charges.
  • A study conducted by the Pew Charitable Trusts found that the average payday loan borrower in Texas takes out 10 loans per year.
  • According to Texas Appleseed, a nonprofit justice center in the state, 45% of payday loan borrowers in Texas are repeat borrowers, meaning they take out more than one loan per year.

Apply Now for a Payday Loan in Florence, Texas

Are you in need of quick cash to handle an emergency? TheGuaranteedLoans can help you connect with payday loan lenders in Florence, Texas. Our online application process is quick and easy. Simply provide us with your personal and financial information, and we will find a lender who can provide you with the loan amount you need. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

Don’t let financial difficulties stress you out. Apply now and get the funds you need to handle your emergency expenses.

F.A.Q.

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

Repayment terms for payday loans in Florence, 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.

Are there any restrictions on how payday loans can be used in Florence, Texas?

Yes, payday loans in Florence, Texas can only be used for short-term financial needs and cannot be used to pay off existing loans or credit card debt.