Payday Loans in Taft, Texas

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

Company nameAddressZip codePhone number
Advance America 216 Murphy Rd, Stafford, TX 77477 +1 (281) 499 - 2329
Texas Car Title & Payday Loan Services, Inc. 1401 Strickland Dr, Orange, TX 77630 +1 (409) 988 - 0800
Centennial Bank 103 Texas Ave, Slaton, TX 79364 +1 (806) 828 - 6545
Bowie Cash To Go 1508 TX-59, Bowie, TX 76230
Texas Car Title & Payday Loan Services, Inc. 1417 N Conway Ave, Mission, TX 78572 +1 (956) 519 - 1055
TJD Financial Services 1241 TX-304 Loop, Crockett, TX 75835 +1 (936) 545 - 1700
CashMax Title & Loan 2127 E. US HWY 190 Ste A, Copperas Cove, TX 76522 +1 (254) 518 - 8181
ACE Cash Express 202 Sawdust Rd #104, Spring, TX 77380
Commercial Bank of Texas, N.A. 877 7th St, Cushing, TX 75760 +1 (936) 326 - 4261
Sun Loan Company 106 S Main St, Perryton, TX 79070 +1 (806) 435 - 7242

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Taft, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Beaumont, TX, Payday Loans in Bedford, TX, Guaranteed Loans in Brownsville, TX, Payday Loans in Bryan, TX, Payday Loans in Burleson, TX, Payday Loans in Carrollton, TX, Payday Loans in Cedar Hill, TX and Payday Loans in Cedar Park, 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 Taft, TX.

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

78390

Are Payday Loans Legal In Taft, 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

Taft, TX payday loan calculator

Payday Loans in Taft, Texas: What You Need to Know

When it comes to managing finances, unexpected expenses can often throw a wrench in our plans. Whether it’s a car repair, medical bill, or other unforeseen cost, payday loans can be a helpful resource for individuals in need of quick cash. In Taft, Texas, payday loans are legal and readily available for those who qualify.

How do Payday Loans Work?

Payday loans are short-term loans that are designed to provide borrowers with quick access to cash. Typically, borrowers agree to repay the loan on their next payday, hence the name “payday loan.” These loans are meant to be a temporary solution for those who need immediate funds.

To apply for a payday loan in Taft, Texas, borrowers must meet certain requirements. The most basic requirements include being 18 years of age or older, having a valid government-issued ID, proof of income, and an active checking account. Borrowers with poor credit or no credit history may still qualify for a payday loan as credit checks are not typically required.

The Benefits of Payday Loans

  • Quick access to cash: One of the primary benefits of payday loans is their ability to provide borrowers with quick access to cash. In some cases, funds may be available in as little as one business day.
  • No credit check: Unlike traditional loans, payday loans typically do not require a credit check. This means that borrowers with poor credit or no credit history may still qualify for a loan.
  • No collateral required: Payday loans are unsecured, meaning that borrowers do not need to put up collateral to secure the loan.
  • Flexible repayment terms: Payday loans offer flexible repayment terms, typically ranging from 14 to 30 days. This allows borrowers to repay the loan on their next payday.

The Risks of Payday Loans

While payday loans can be a helpful resource for those in need of quick cash, they are not without risks. One of the main concerns is the high interest rates associated with these loans. In Taft, Texas, payday loans can carry an APR of up to 662.16% for a 14-day loan of $100. This means that borrowers may end up paying significantly more than they borrowed.

Another risk is the potential for borrowers to become trapped in a cycle of debt. Payday loans are meant to be a short-term solution, but if borrowers are unable to repay the loan on their next payday, they may be forced to roll over the loan and incur additional fees. This can lead to a cycle of debt that can be difficult to break.

Interesting Facts and Statistics about Payday Loans in Taft, Texas

  • The average payday loan in Texas is $462.
  • Approximately 8% of Texans have used a payday loan in the past year.
  • In the last legislative session, the Texas legislature did not pass any legislation to regulate payday lending.
  • In 2019, Texas payday lenders collected $1.9 billion in fees alone.

Apply Now with TheGuaranteedLoans

If you are in need of a payday loan in Taft, Texas, TheGuaranteedLoans can help. We are a connector service that works with a network of verified lenders to help you find the best loan option for your needs. Our process is simple and can be completed entirely online.

Simply visit our website and fill out our secure online application. We will match you with potential lenders and provide you with offers to choose from. Keep in mind that TheGuaranteedLoans is not a direct lender, and we do not provide loans ourselves. Rather, we facilitate the connection between borrowers and lenders.

Conclusion

Payday loans can be a helpful resource for individuals in need of quick cash. While these loans do come with risks, if used responsibly, they can provide a temporary solution to unexpected expenses. If you’re considering a payday loan in Taft, Texas, be sure to do your research and understand the terms and risks before making a decision.

F.A.Q.

Do I need to have a checking account to take out a payday loan in Taft, Texas?

Yes, most payday lenders in Taft, Texas require borrowers to have a checking account in order to apply for a loan. This is because the loan amount and fees will be automatically deducted from the borrower's account on the due date.

Are there any restrictions on how I can use the funds from a payday loan in Taft, Texas?

No, borrowers are free to use the funds from a payday loan in Taft, Texas for any purpose. However, it is important to remember that these loans should only be used for short-term financial emergencies and not for long-term financial planning.