Payday Loans in Oklaunion, Texas

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

Company nameAddressZip codePhone number
MSB Money Stop, Inc. 1701 E Grand Ave, Marshall, TX 75670 +1 (903) 935 - 0111
Security Finance 202 E Spring St, Palestine, TX 75801 +1 (903) 729 - 2118
First State Bank Central Texas 101 E Polk St, Burnet, TX 78611 +1 (512) 756 - 6166
American National Bank & Trust 111 W 4th St, Quanah, TX 79252 +1 (940) 663 - 5387
Texan Credit Corporation 3311 Palmer Hwy, Texas City, TX 77590 +1 (409) 941 - 0610
LoanStar Title Loans 2433 FM917 Suite 200, Mansfield, TX 76063 +1 (682) 312 - 2980
CashMax Title & Loan 207 N US-183 UNIT A, Leander, TX 78641 +1 (512) 259 - 1818
BancorpSouth Bank 907 Ford St, Llano, TX 78643 +1 (325) 247 - 4177
Loan Express 224 S Main St, Jacksonville, TX 75766 +1 (903) 586 - 5562
Toledo Finance 6215 Central City Blvd, Galveston, TX 77551 +1 (409) 740 - 4620

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oklaunion, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Companies in Spring, TX, Short-term Loans in Sugar Land, TX, Payday Loans in Temple, TX, No Credit Check Loans in Texarkana, TX, Payday Loan for Texas City, TX, Payday Loans in The Colony, TX, Payday Loan for Tyler, TX and Payday Loans in Victoria, 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 Oklaunion, TX.

Are Payday Loans Legal In Oklaunion, 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

Oklaunion, TX payday loan calculator

Payday Loans in Oklaunion, Texas – What You Need to Know

Do you need cash fast? Whether it’s an unexpected expense or an urgent bill that needs payment, a payday loan in Oklaunion, Texas, might be a solution for you. With a quick and easy application process, cash deposited into your account, and flexible repayment options, payday loans can offer a short-term solution to your financial problems.

What are Payday Loans?

Payday loans are small, short-term loans usually intended to be repaid on the borrower’s next payday. They can be a convenient way to cover unexpected expenses or bridge a temporary cash-flow problem. In Texas, payday loans are legal and regulated by the state. Lenders must be licensed, and borrowers must meet certain requirements to qualify for a loan.

How Do Payday Loans Work?

The process of obtaining a payday loan is straightforward. You can apply online, in person, or by phone. Most lenders require proof of income and a checking account. You present a post-dated check or authorize electronic access to your bank account for repayment of the loan plus fees and interest. In Texas, lenders can charge up to 10% of the loan amount in fees and up to 48% APR on the loan.

Loan amounts may vary from $50 to $1,000, but they typically don’t exceed 25% of your gross monthly income. The loan period can range from two weeks to a month, depending on your pay schedule. Some lenders offer rollovers or extensions, but that incurs additional fees and interest.

Pros and Cons of Payday Loans

There are several advantages and disadvantages to payday loans that you should consider before applying for one.

Pros:

  • Quick and easy access to cash
  • No credit check required
  • Flexible eligibility requirements
  • Can help to cover unexpected expenses and emergencies

Cons:

  • High fees and interest rates
  • Loans can become a cycle of debt if not repaid on time
  • May lead to financial hardship and damage credit score
  • May encourage irresponsible borrowing habits

Are Payday Loans Right for You?

Payday loans can be a useful tool for covering short-term cash needs. However, they should be used with caution and responsibility. Only take out a payday loan if you can afford to repay it on time and if you understand all the terms and fees associated with the loan. If you’re struggling with financial hardship and looking for long-term solutions, payday loans may not be the best option for you. Consider seeking financial counseling or assistance from non-profit organizations.

Interesting Facts about Payday Loans in Oklaunion, Texas

Did you know that the average borrower in Texas takes out eight payday loans per year? That’s according to a 2016 report by the Center for Public Policy Priorities. The same report found that payday lending in Texas results in $1.4 billion in fees and 4.7 million loans annually. These figures highlight the popularity and prevalence of payday loans in Texas.

Apply Now with TheGuaranteedLoans

If you need a payday loan in Oklaunion, Texas, TheGuaranteedLoans can help you find a lender. We’re a connector service, not a direct lender, which means that we’ll facilitate your connection with potential lenders. Our online application process is easy and secure, and you could receive an offer in minutes. Apply now and get the cash you need, fast!

F.A.Q.

What is the maximum amount I can borrow through a payday loan in Oklaunion, Texas?

The maximum amount that can be borrowed through a payday loan in Oklaunion, Texas is $1,000.

What is the interest rate on payday loans in Oklaunion, Texas?

The interest rate on payday loans in Oklaunion, Texas is determined by the lender. The maximum allowable interest rate is set by state law at 661% APR.