Payday Loans in Pointblank, Texas

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Texan Credit Corporation 2040 Crockett Rd, Palestine, TX 75801 +1 (903) 727 - 0582
Western Finance 119 N Main St, Andrews, TX 79714 +1 (432) 524 - 2300
Toledo Finance Corp 708 N Nolan River Rd, Cleburne, TX 76033 +1 (817) 556 - 9933
Security Finance 2930a Pat Booker Rd, Universal City, TX 78148 +1 (210) 566 - 0142
PLS Insurance 1900 E Belt Line Rd, Carrollton, TX 75006 +1 (972) 695 - 8148
Western Finance 2006 E Rancier Ave Ste 800, Killeen, TX 76541 +1 (254) 634 - 0017
IBC Bank 200 S Pecan Ave, Luling, TX 78648 +1 (830) 875 - 2445
Cash Store 203 US-59, Atlanta, TX 75551 +1 (903) 796 - 7632
Texas Car Title & Payday Loan Services, Inc. 1300 E Grand Ave, Marshall, TX 75670 +1 (903) 938 - 0200
Cliff's Check Cashing 33 1504 North, I-35, Lancaster, TX 75134 +1 (972) 224 - 3627

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pointblank, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Laredo, TX, Payday Loans in League City, TX, Payday Loan Companies in Leander, TX, 24-Hour Loan in Lewisville, TX, Payday Loans in Little Elm, TX, Payday Loans in Longview, TX, Bad Credit Loans in Lubbock, TX and Payday Loans in Lufkin, 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 Pointblank, TX.

Are Payday Loans Legal In Pointblank, 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

Pointblank, TX payday loan calculator

Payday Loans in Pointblank, Texas

Payday loans are a popular financial solution for many individuals who face unexpected expenses or sudden emergencies. These loans are generally short-term, unsecured cash advances that borrowers can access quickly and easily. Texas is one of the states where payday loans are legal and regulated. In this article, we’ll provide an overview of payday loans in Pointblank, Texas, and what borrowers need to know before they consider taking one out.

How do Payday Loans Work?

Payday loans work by providing borrowers with a cash advance in exchange for a post-dated check or electronic access to their bank account. The loan principal amounts are typically small, ranging from a few hundred to a few thousand dollars, and the loan term is usually two weeks to a month. The lender will charge a fee or interest rate on the loan, which can be high, depending on the borrower’s creditworthiness and payment history.

When borrowers take out a payday loan, they must provide the lender with a post-dated check or authorize an electronic debit from their bank account for the full amount of the loan plus interest and fees. If the borrower cannot repay the loan on time, the lender will charge additional fees and may roll over the loan for an extended period. This can result in increasing debt and a debt trap for many borrowers.

Are Payday Loans Legal in Pointblank, Texas?

Yes, payday loans are legal in Pointblank, Texas. In fact, Texas is one of the few states in the United States where payday lending is completely legal. However, the state has a set of regulations and restrictions on payday lending to protect consumers from predatory lending practices. According to the Texas Office of Consumer Credit Commissioner (OCCC), payday lenders must be licensed and comply with state regulations to operate in the state legally.

What are the Requirements for Getting a Payday Loan in Pointblank, Texas?

In Pointblank, Texas, to qualify for a payday loan, borrowers must meet the following requirements:

  • Be at least 18 years old
  • Have a valid government-issued ID
  • Have a checking account
  • Have proof of stable income

Additionally, payday lenders may perform credit checks or ask for collateral to secure the loan. However, some payday lenders in Texas offer no credit check loans, making it easier for borrowers with poor credit to access financing.

What are the Costs and Risks of Taking out a Payday Loan?

The cost of taking out a payday loan in Pointblank, Texas can be high. The state of Texas does not limit the interest rates that payday lenders can charge. Some lenders may charge up to 600% APR, which results in borrowers paying more than the loan’s principal amount in fees and interest. This can lead to a debt trap for many borrowers who cannot repay the loan on time.

The risks of taking out a payday loan in Pointblank, Texas include:

  • High fees and interest rates
  • Repeat borrowing and debt cycle
  • Collections and legal action if the borrower defaults on the loan
  • Significant damage to the borrower’s credit score

Interesting Facts and Statistics about Payday Loans in Pointblank, Texas

According to OCCC, here are some interesting facts and statistics about payday lending in Texas:

  • The average APR on a payday loan in Texas is 410%
  • Texans pay $1.6 billion in payday and auto title loan fees every year
  • One in four payday borrowers in Texas ends up refinancing or rolling over their loan
  • Over 8 million payday loans were made in Texas in 2019
  • Payday borrowers in Texas typically pay back twice the amount borrowed, on average

Apply Now

If you need access to short-term financing in Pointblank, Texas, consider applying for a payday loan through TheGuaranteedLoans. We are a connector service that helps borrowers connect with potential lenders in our network. We work hard to ensure that our lenders comply with all state and federal regulations and provide transparent and fair lending practices. Visit our website to fill out an online application today and get connected with a lender that fits your needs.

Disclaimer

TheGuaranteedLoans is not a direct lender and does not make credit decisions. We are a connector service that connects borrowers with potential lenders. The information provided on our website is for informational purposes only and should not be considered legal or financial advice. Use of this site is subject to our Terms of Use and Privacy Policy. The GuaranteendLoans is not responsible for any financial or legal implications arising from the use of our services.

F.A.Q.

Can I file a complaint about a payday lender in Pointblank, Texas?

Yes, if you have a complaint about a payday lender in Pointblank, Texas, you can file a complaint with the Texas Office of Consumer Credit Commissioner. This office is responsible for regulating payday lenders and enforcing consumer protection laws.

Are there any restrictions on the number of payday loans I can take out in Pointblank, Texas?

Yes, Texas law limits the number of payday loans that an individual can take out at one time. The maximum number of payday loans that can be outstanding at any given time is three.