Payday Loans in Inez, Texas

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

Company nameAddressZip codePhone number
Community National Bank & Trust of Texas 400 North Garitty St, Frost, TX 76641 +1 (903) 682 - 2235
Quick Bucks 1810 George Dieter Dr 115, El Paso, TX 79936 +1 (915) 921 - 7100
ACE Cash Express 1132 E Main St, Alice, TX 78332
Citicred 801 Myrtle Ave, El Paso, TX 79901 +1 (915) 533 - 2484
Midwest 816 Franklin St, Anthony, TX 79821 +1 (915) 886 - 9001
Atlas Credit Co., Inc. 425 E Coma Ave a, Hidalgo, TX 78557
Central Finance 901 W Tyler Ave, Harlingen, TX 78550 +1 (956) 412 - 0114
Lendmark Financial Services LLC 3009 S John Redditt Dr C, Lufkin, TX 75904 +1 (936) 632 - 7553
Greater Texas Credit Union 3635 SE Military Dr 100, San Antonio, TX 78223 +1 (800) 749 - 9732
GECU 10860 N Loop Dr, Socorro, TX 79927 +1 (915) 778 - 9221

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Inez, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in San Juan, TX, Payday Loan Companies in San Marcos, TX, Quick Loan in Schertz, TX, No Credit Check Loans in Sherman, TX, Payday Loans in Socorro, TX, Payday Loans in Southlake, TX, Payday Loan Without a Credit Check in Spring, TX and 24-Hour Loan in Sugar Land, 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 Inez, TX.

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

77968

Are Payday Loans Legal In Inez, 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

Inez, TX payday loan calculator

Payday Loans in Inez, Texas – A Comprehensive Guide

If you’ve ever found yourself in a financial bind, you know how stressful and overwhelming it can be. Maybe an unexpected expense has come up, or an emergency has left you short on cash, and you’re not sure how to make ends meet. A payday loan can be a solution for you.

What is a Payday Loan?

A payday loan is a short-term loan that can help you bridge the gap until your next paycheck. These loans are designed to provide quick cash to those who need it, with minimal paperwork and no credit check required. They are often referred to as cash advances or paycheck advances, and can be a lifesaver in a pinch.

Are Payday Loans Legal in Texas?

Yes, payday loans are legal in Texas. The state has laws in place to regulate the industry and protect borrowers from high interest rates and fees. Lenders are required to be licensed by the state and to disclose all fees and terms upfront. Borrowers must also meet certain requirements, such as having a steady source of income and a bank account.

How Do Payday Loans Work?

The process of getting a payday loan is fairly simple. You fill out an application online or in person, providing basic personal information and details about your income. The lender then reviews your application and may ask for additional documentation, such as a pay stub or bank statement. If approved, you will receive the loan amount, minus any fees and interest, typically within one business day. You then repay the loan on your next payday, usually via a post-dated check or automatic withdrawal from your bank account.

What Are the Pros and Cons of Payday Loans?

  • Pros: Payday loans can be a quick source of cash when you need it most. They are easy to apply for, with few requirements and no credit check. They can also help you avoid costly late fees or overdraft charges.
  • Cons: Payday loans can be expensive, with high interest rates and fees. The short repayment term can also lead to a cycle of debt, where borrowers must take out additional loans to cover the original loan and fees. It’s important to carefully consider the costs and risks before taking out a payday loan.

What Are the Requirements for a Payday Loan in Texas?

To qualify for a payday loan in Texas, you must:

  • Be at least 18 years old
  • Have a steady source of income
  • Be a U.S. citizen or permanent resident
  • Have a valid bank account
  • Provide basic personal information, such as your name and address

Interesting Facts and Statistics About Payday Loans in Inez, Texas

  • According to the Texas Office of Consumer Credit Commissioner, there were 2,384 registered payday lenders in Texas as of December 2020.
  • In 2019, the average payday loan in Texas was $459, with an average finance charge of $75 and an annual percentage rate (APR) of 663%.
  • A 2016 report by the Center for Public Policy Priorities found that payday lenders in Texas charged an estimated $1.4 billion in fees alone in 2013.

Apply Now

If you’re in need of a payday loan in Inez, 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 reputable lenders to help you find the best loan for your needs. To get started, simply fill out our online application and we will match you with lenders who may be able to provide the cash you need.

Remember, payday loans should be used responsibly and only as a last resort. Make sure you understand all fees, terms, and risks before borrowing, and always repay the loan on time to avoid additional fees and interest.

F.A.Q.

How much can I borrow with a payday loan in Inez, Texas?

The maximum amount that can be borrowed with a payday loan in Inez, Texas is $500. However, lenders may not lend more than 20% of the borrower's gross monthly income or 25% of their net income.

What are the fees and interest rates associated with payday loans in Inez, Texas?

Payday loans in Inez, Texas have a maximum APR of 661%. Lenders are also allowed to charge a loan origination fee of up to $10 per $100 borrowed, as well as a database verification fee of up to $2.50 per loan.