Payday Loans in Lane City, Texas

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

Company nameAddressZip codePhone number
Cash America Pawn 4216 Avenue H, Rosenberg, TX 77471 +1 (281) 342 - 5656
J&B Quick Cash 1015 Gilmer St, Sulphur Springs, TX 75482 +1 (903) 919 - 5111
Barri Office 408 E Zavala St, Crystal City, TX 78839 +1 (830) 374 - 5873
Raymond James 116 S 25 Mile Ave, Hereford, TX 79045 +1 (806) 364 - 4087
Pure Finance Texas 11811 North Fwy, Houston, TX 77060 +1 (832) 998 - 8726
Capital Farm Credit 5255 Bentwood Dr, San Angelo, TX 76904 +1 (325) 949 - 8114
Oakwood State Bank 300 Main St, Oakwood, TX 75855 +1 (903) 545 - 2163
EZMONEY Loan Services 4210 SW 45th Ave, Amarillo, TX 79109 +1 (806) 354 - 9102
Sanger Bank 1308 TX-59, Bowie, TX 76230 +1 (940) 872 - 9600
Amistad Mortgage LLC NMLS 675053 2101 Crawford St STE 108, Houston, TX 77002 +1 (832) 305 - 5229

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lane City, TX, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Edinburg, TX, Payday Loans in El Paso, TX, Payday Loan Companies in Euless, TX, Payday Loans in Farmers Branch, TX, Same Day Loans in Flower Mound, TX, Payday Loan Without a Credit Check in Fort Worth, TX, Payday Loans in Friendswood, TX and Bad Credit Loans in Frisco, 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 Lane City, TX.

Are Payday Loans Legal In Lane City, 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

Lane City, TX payday loan calculator

Payday Loans in Lane City, Texas

If you are facing a financial emergency and need quick cash, then a payday loan may seem like a suitable option. Payday loans are short-term loans designed for immediate cash needs, and they are legal in Texas. However, before borrowing, it’s important to understand the terms and conditions of the loan, as well as the risks and benefits. In this article, we will discuss everything you need to know about payday loans in Lane City, Texas.

How Do Payday Loans Work?

Payday loans are small-dollar loans that are meant to be repaid in full on your next payday. Typically, these loans range from $100 to $1,000, and they are usually due within 14 days to 30 days. To apply for a payday loan, you need to have a steady income, an active checking account, and a valid ID. Lenders will use your income to determine the amount of money you qualify for, and they will require you to write a post-dated check or provide them access to your bank account.

The Pros and Cons of Payday Loans

Payday loans can be a helpful tool for those facing a short-term financial emergency. However, they come with their own set of risks and benefits.

Pros:

  • Easy to qualify for, even with bad credit
  • Quick access to cash, sometimes within 24 hours
  • No collateral required
  • Can be used for any purpose

Cons:

  • High-interest rates and fees
  • Short repayment term, causing financial strain on the borrower
  • Can spiral into a debt cycle if not paid back on time
  • Not a long-term solution to financial problems

It is important to weigh these pros and cons carefully before deciding if a payday loan is right for you.

Payday Loan Laws in Texas

Payday loans are legal in Texas, but there are regulations in place to protect borrowers from predatory lending practices. The maximum loan amount allowed by law is $1,800, with a maximum term of 180 days. Additionally, lenders are required to disclose the total cost of the loan, including fees and interest rates, before the borrower signs the loan agreement.

Interesting Facts and Statistics

  • According to a report by the Center for Responsible Lending, Texans paid $1.2 billion in payday loan fees in 2019.
  • As of 2021, there are over 3,000 payday lending locations in Texas.
  • The average payday loan in Texas is $470, and the average fee charged by lenders is $22 per $100 borrowed.
  • In Lane City, Texas, there are several payday lending locations offering payday loans.

Apply Now

If you are considering a payday loan in Lane City, Texas, we at TheGuaranteedLoans can help connect you with trusted lenders in your area. As a connector service, we do not directly lend money, but we will facilitate your connection with potential lenders. Our application process is quick and easy, and you can receive a decision in minutes. Apply now and get the cash you need to cover unexpected expenses.

Final Thoughts

Payday loans can be a useful option for those facing a financial emergency, but it’s important to use them responsibly. Before taking out a loan, carefully consider the terms and conditions, and only borrow what you can afford to repay. At TheGuaranteedLoans, we aim to provide valuable information and connect you with trusted lenders in Lane City, Texas.

F.A.Q.

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

Repayment terms for payday loans in Lane City, 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 Lane City, Texas?

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