Payday Loans in Orangefield, Texas

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

Company nameAddressZip codePhone number
Southern Finance 5110 McPherson Rd, Laredo, TX 78041 +1 (956) 726 - 9977
Walmart Money Center 2214 N 1st St, Carrizo Springs, TX 78834
Swift Cash 607 E Tyler St # 120, Athens, TX 75751
Toledo Finance Corporation 1208 University Ave, Huntsville, TX 77340 +1 (936) 295 - 3718
Extraco Banks Gatesville 800 E Main St, Gatesville, TX 76528 +1 (254) 774 - 5500
World Finance 1629 E Main St Ste B, Alice, TX 78332 +1 (361) 668 - 0332
Security Finance 2930a Pat Booker Rd, Universal City, TX 78148 +1 (210) 566 - 0142
Star of Texas Financial Solutions 810 N Valley Mills Dr, Waco, TX 76710 +1 (254) 203 - 5242
TitleMax Title Loans 1601 S Gregg St, Big Spring, TX 79720 +1 (432) 264 - 7240
Cash America Pawn 505 S Washington Ave, Cleveland, TX 77327

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Orangefield, TX, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Richardson, TX, Payday Loan Without a Credit Check in Rockwall, TX, Payday Loans in Rosenberg, TX, Payday Loans in Round Rock, TX, 24-Hour Loan in Rowlett, TX, Payday Loan for San Angelo, TX, Bad Credit 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 Orangefield, TX.

Are Payday Loans Legal In Orangefield, 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

Orangefield, TX payday loan calculator

Understanding Payday Loans in Orangefield, Texas

Payday loans are a popular option for people who need to bridge the gap between paychecks. In Orangefield, Texas, payday loans are legal and regulated by state law. However, before considering a payday loan, it’s essential to understand the process and implications of this financial option.

What exactly are payday loans?

Payday loans are a short-term loan that typically must be repaid by the borrower’s next paycheck. They are usually small-dollar loans, ranging from $100 to $1,000, and are typically due within 14 days or up to the borrower’s next payday.

To obtain a payday loan, the borrower must provide proof of income and identification to the lender. The lender will then issue a loan for the requested amount, plus fees and interest. In Orangefield, Texas, the maximum amount a borrower can borrow is $1,800, or 20% of their monthly income, whichever is less.

Regulations in Orangefield, Texas

The state of Texas has strict regulations surrounding payday loans, and Orangefield follows these guidelines. Under Texas law, payday lenders must be licensed and must prominently display their license at their place of business. They are also required to provide borrowers with specific terms and conditions of the loan, including the interest rate, fees, and total amount due.

Additionally, in Orangefield, lenders cannot charge more than 10% of the total loan amount in interest and fees. This means that if a borrower takes out a $500 payday loan, they will only be charged $50 in fees and interest.

What are the benefits of payday loans in Orangefield, Texas?

  • Quick access to cash – payday loans can provide much-needed cash in emergencies or unexpected expenses.
  • No credit check – payday lenders typically do not perform a credit check, which can be beneficial for borrowers with poor credit history.
  • Flexibility – payday loans can be used for a variety of expenses, including bills, groceries, car repairs, and more.

What are the risks of payday loans in Orangefield, Texas?

  • High fees and interest rates – payday loans are known for their high fees and interest rates, which can add up quickly and make it difficult to repay the loan.
  • Debt cycle – many borrowers find themselves in debt cycles, where they must continually borrow to pay off previous payday loans.
  • Legal consequences – failure to repay a payday loan can result in legal consequences, including lawsuits and wage garnishment.

Interesting Facts and Statistics about Payday Loans in Orangefield, Texas

  • In 2019, there were over 2,000 payday loan storefronts throughout the state of Texas.
  • The average payday loan borrower in Texas takes out 8 loans per year.
  • Payday lending generates over $1 billion in fees annually for the state of Texas.

Applying for a payday loan in Orangefield, Texas

Are you considering a payday loan in Orangefield, Texas? TheGuaranteedLoans can connect you with a lender who can help. To get started, simply fill out our online application, and we’ll match you with a lender who meets your needs.

It’s important to note that TheGuaranteedLoans is not a direct lender. We are a connector service that can help you find a lender who meets your borrowing needs. We can’t guarantee loan approval, but we will work hard to help you find the right lender to meet your needs.

In conclusion

While payday loans in Orangefield, Texas, can be a convenient way to access quick cash, they also come with risks and high fees. It’s essential to understand the terms and conditions of the loan fully before borrowing to avoid getting trapped in a debt cycle. If you need financial assistance, a payday loan could be an option, but make sure to weigh the pros and cons carefully.

F.A.Q.

Are there any fees or charges associated with payday loans in Orangefield, Texas?

Yes, there are fees and charges associated with payday loans in Orangefield, Texas. These may include application fees, origination fees, interest charges, and late payment fees. It is important to carefully review the terms and conditions of your payday loan to understand all of the fees and charges you may be responsible for.

What happens if I cannot repay my payday loan in Orangefield, Texas on time?

If you are unable to repay your payday loan in Orangefield, Texas on time, you may be charged late payment fees and your loan may be subject to collection actions. You may also be charged additional interest on any unpaid balances. It is important to contact your lender as soon as possible if you are unable to make your scheduled loan payments, so that they can work with you to find a solution.