Payday Loans in Oakland, Texas

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

Company nameAddressZip codePhone number
InterBank 301 W Walker St, Breckenridge, TX 76424 +1 (254) 559 - 3333
Western Finance 1335 E Milam St #D, Mexia, TX 76667
Barri Agent 1331 Medea Dr, San Elizario, TX 79849
Speedy Cash 4217 W Waco Dr, Waco, TX 76710 +1 (254) 752 - 1168
Southside Bank - Splendora 14500 Old, US-59, Splendora, TX 77372 +1 (281) 689 - 5100
Express Bad Credit Loans 1697 N County Rd W, Odessa, TX 79763 +1 (432) 741 - 3578
Cash America Pawn 311 E Northwest Hwy, Grapevine, TX 76051 +1 (817) 488 - 7097
Action Pawn 1 1107 S Fort Hood St, Killeen, TX 76542 +1 (254) 634 - 4488
Check n Go 291 E Round Grove Rd 180, Lewisville, TX 75067 +1 (972) 459 - 3016
Temple Inland Fed Credit Union 109 N Temple Dr, Diboll, TX 75941 +1 (936) 829 - 1616

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oakland, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Friendswood, TX, Payday Loans in Frisco, TX, Emergency Loan in Galveston, TX, Same Day Loans in Garland, TX, Payday Loans in Georgetown, TX, Bad Credit Loans in Grand Prairie, TX, Payday Loan Companies in Grapevine, TX and Payday Loan for Haltom City, 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 Oakland, TX.

Are Payday Loans Legal In Oakland, 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

Oakland, TX payday loan calculator

Understanding Payday Loans in Oakland, Texas

Payday loans are a type of short-term loan that has grown in popularity in the United States. These loans provide quick access to cash for people who need to cover unexpected expenses or who are facing financial difficulties. Payday loans are legal in Texas, and they can offer a solution to people who don’t have access to traditional forms of credit or who have poor credit scores.

How Payday Loans Work

Payday loans offer borrowers a way to receive a cash advance on their paycheck. The borrower receives a loan for a set amount of money, and the lender charges a fee for the loan. In Texas, the fee for a payday loan cannot exceed 10% of the total loan amount.

To receive a payday loan, the borrower must provide proof of income and a checking account. The lender will then deposit the loan amount directly into the borrower’s account. The borrower must repay the loan on their next payday, usually within two weeks.

The Benefits of Payday Loans

  • Easy access to cash when it’s needed most.
  • No credit check required, making it accessible to people with bad credit scores.
  • Quick and easy application process.
  • No collateral required.

The Risks of Payday Loans

  • High fees can make it difficult to repay the loan on time.
  • Short repayment terms can make it hard to cover other expenses.
  • Repeat borrowing can lead to a cycle of debt.
  • Not all lenders are reputable, which can lead to scams or unfair practices.

Payday Loans in Oakland, Texas

Oakland is a small city in Texas, and there are several options for payday loans in the city. The state of Texas has set regulations on payday loans, which means that lenders must follow rules regarding fees and interest rates. However, it is important for borrowers to carefully research lenders to ensure that they are reputable and safe.

Interesting Facts and Statistics about Payday Loans in Oakland, Texas

  • The average payday loan amount in Oakland is $300.
  • Most borrowers in Oakland use payday loans to cover unexpected expenses or medical bills.
  • Texas has some of the highest fees for payday loans in the country.
  • Repeat borrowing is common among payday loan borrowers, and it can lead to a cycle of debt.

Apply Now with TheGuaranteedLoans

TheGuaranteedLoans is a connector service, connecting borrowers to potential lenders who can offer payday loans. If you need quick access to cash, fill out an online application on our website. We work with reputable lenders to help you find the best loan option for your needs. Remember, payday loans are legal in Texas, but it is important to borrow responsibly and to only take out a loan if you can repay it on time.

F.A.Q.

Are payday loans legal in Oakland, Texas?

Yes, payday loans are legal in Oakland, Texas. The Texas Office of Consumer Credit Commissioner regulates the payday lending industry in the state.

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

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