Payday Loans in Smyer, Texas

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

Company nameAddressZip codePhone number
Member Preferred Federal CU 340 S Blue Mound Rd 342, Fort Worth, TX 76131 +1 (817) 222 - 2288
Vista Bank 1523 Main St, Petersburg, TX 79250 +1 (806) 667 - 3583
First National Bank Of Shiner 1622 E Sarah DeWitt Dr, Gonzales, TX 78629
ACE Cash Express 3905 E Belknap St, Haltom City, TX 76111 +1 (817) 831 - 6588
EZMONEY Loan Services 1722 N Zaragoza Rd, El Paso, TX 79936 +1 (915) 856 - 8678
Commerce Bank Texas 112 Fordtran Dr, Stockdale, TX 78160 +1 (830) 996 - 3125
Western Union Walgreens, 1130 S Broadway St, Sulphur Springs, TX 75482 +1 (903) 438 - 2435
ACE Cash Express 1379 W Main St, League City, TX 77573 +1 (281) 557 - 2274
Granger National Bank 201 W Davilla St, Granger, TX 76530 +1 (512) 859 - 2202
Primelending 102 Willis Ave, Naples, TX 75568 +1 (903) 897 - 1807

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smyer, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Victoria, TX, Payday Loans in Waco, TX, Payday Loan Without a Credit Check in Waxahachie, TX, Payday Loans in Weslaco, TX, Payday Loans in Wichita Falls, TX, Payday Loans in Wylie, TX, Payday Loans in Abilene, TX and Payday Loan for Allen, 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 Smyer, TX.

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Payday Loans Available in Smyer, TX By The Following ZIP Codes:

79367

Are Payday Loans Legal In Smyer, 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

Smyer, TX payday loan calculator

Advise to read before applying

Payday Loans in Smyer, Texas: Everything You Need to Know

If you’re looking for emergency funds in Smyer, Texas, payday loans might be an option to consider. They offer small, short-term loans that can cover unexpected expenses, but understanding the risks and benefits is important before making a decision. In this article, we’ll explore everything you need to know about payday loans in Smyer, Texas.

How Do Payday Loans in Smyer, Texas Work?

Payday loans are short-term loans designed to help individuals cover unexpected expenses. They typically range from $100 to $1,000 and must be repaid within two weeks to a month, depending on the lender and the borrower’s next payday. To apply for a payday loan in Smyer, Texas, you will need to:

  • Be at least 18 years old
  • Have a valid identification
  • Have proof of income (employment, benefits, etc.)
  • Have an active bank account

If you meet these requirements, you can apply for a payday loan either online or in-person. Once approved, the funds will typically be deposited into your bank account within one business day.

What Are the Risks of Payday Loans in Smyer, Texas?

While payday loans can provide quick relief in a financial emergency, they also come with significant risks. The high fees and interest rates associated with payday loans make it difficult for borrowers to repay the loan on-time, leading to a debt cycle that can be difficult to escape. In Smyer, Texas, payday lenders are not regulated by the state, which means they can charge interest rates as high as 662%, making them a dangerous option for those in financial need.

Additionally, payday lenders often target low-income borrowers who may not have other lending options, making it difficult for them to improve their financial situation. It’s important to carefully consider the risks before applying for a payday loan in Smyer, Texas.

Should You Consider a Payday Loan in Smyer, Texas?

Before applying for a payday loan in Smyer, Texas, it’s important to consider all of your financial options. If possible, it’s better to borrow from family or friends, use a credit card, or access savings than to take out a payday loan. If a payday loan is your only option, make sure to shop around for the best rates and terms, and only borrow what you can afford to repay on-time.

Interesting Facts and Statistics about Payday Loans in Smyer, Texas

  • In 2021, the average payday loan in Texas was $484.
  • According to a 2019 study by the Texas Fair Lending Alliance, payday lenders in Texas charged an average APR of 584%, with some charging up to 1,000%
  • In 2020, the Consumer Financial Protection Bureau reported that 80% of payday loans in the U.S. were rolled over or renewed within two weeks.

Apply Now for a Payday Loan in Smyer, Texas

If you’ve carefully considered the risks and benefits of a payday loan and have decided to move forward, TheGuaranteedLoans can help you connect with potential lenders in Smyer, Texas. Our online application is quick and easy, and we’ll work to find a lender that can meet your financial needs. Keep in mind, we are not a direct lender – we are a connector service that can help you explore your options.

Don’t let unexpected expenses keep you down. Apply now for a payday loan in Smyer, Texas, and take control of your finances today!

F.A.Q.

Can I obtain a payday loan in Smyer, Texas if I have bad credit?

Yes, payday loans in Smyer, Texas are typically available to individuals with bad credit. Lenders do not typically require a credit check, but may still require proof of income and a valid checking or savings account.

How long does it take to receive a payday loan in Smyer, Texas?

The amount of time it takes to receive a payday loan in Smyer, Texas varies by lender. Some lenders may be able to provide the loan funds within a few hours, while others may take several days. It is important to research and compare lenders to determine which option is best for your needs.

Look for Short-Term Loans in Other Cities:

Abilene Alice Allen Amarillo Arlington Austin Baytown Beaumont Bedford Brownsville Bryan Burleson Carrollton Cedar Hill Cedar Park Channelview College Station Conroe Coppell Copperas Cove Corpus Christi Dallas DeSoto Deer Park Del Rio Denton Duncanville Edinburg El Paso Euless Farmers Branch Flower Mound Fort Worth Friendswood Frisco Galveston Garland Georgetown Grand Prairie Grapevine Haltom City Harlingen Houston Humble Huntsville Hurst Irving Keller Killeen Kyle La Porte Lancaster Laredo League City Leander Lewisville Little Elm Longview Lubbock Lufkin Mansfield McAllen McKinney Mesquite Midland Mission Missouri City Nacogdoches New Braunfels North Richland Hills Odessa Pasadena Pearland Pflugerville Pharr Plano Port Arthur Richardson Rockwall Rosenberg Round Rock Rowlett San Angelo San Antonio San Juan San Marcos Schertz Sherman Socorro Southlake Spring Sugar Land Temple Texarkana Texas City The Colony Tyler Victoria Waco Waxahachie Weslaco Wichita Falls Wylie
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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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