Payday Loans in Thicket, Texas

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

Company nameAddressZip codePhone number
TitleMax Title Loans 1014 W Loop 281, Longview, TX 75604 +1 (903) 295 - 8300
City Credit Union 406 N Grand Ave, Gainesville, TX 76240 +1 (214) 515 - 0100
Vic Vaughn Toyota of Boerne 31205 Interstate 10 Frontage Rd, Boerne, TX 78006 +1 (210) 787 - 1733
Loanstar Title Loans 3280 S 14th St, Abilene, TX 79605 +1 (325) 691 - 0981
Citizens State Bank 102 W Bluff St, Woodville, TX 75979 +1 (409) 283 - 2561
Western Finance 1245 Clarksville St, Paris, TX 75460
Citi Financial 500 N Zaragoza Rd, El Paso, TX 79907 +1 (877) 988 - 9863
Cash Store 3206 Sycamore School Rd, Fort Worth, TX 76133 +1 (817) 361 - 8110
City Finance 208 E Jefferson St, Gilmer, TX 75644
World Finance 4001 N State Line Ave, Texarkana, TX 75503 +1 (903) 793 - 4694

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Thicket, TX, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Plano, TX, Payday Loans in Port Arthur, TX, No Credit Check Loans in Richardson, TX, Payday Loans in Rockwall, TX, Online Loans in Rosenberg, TX, Payday Loan Companies in Round Rock, TX, Short-term Loans in Rowlett, TX and Online Loans in San Angelo, 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 Thicket, TX.

Are Payday Loans Legal In Thicket, 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

Thicket, TX payday loan calculator

Understanding Payday Loans in Thicket, Texas

Payday loans are a type of short-term financing that has become increasingly popular in recent years. These loans are typically used to help people cover unexpected expenses, such as a broken-down car or a medical bill. In Thicket, Texas, payday loans are legal and regulated by state laws.

How Do Payday Loans Work?

A payday loan is a type of loan that is typically repaid on your next payday. The loan amount is usually a percentage of your paycheck, and the lender will charge interest and fees on the amount borrowed. In Thicket, Texas, the maximum amount you can borrow is $1,000, and the maximum term for the loan is 180 days.

To qualify for a payday loan in Thicket, Texas, you must be at least 18 years old and have a steady source of income. You will need to provide your lender with proof of income, such as a paycheck stub or bank statement. You will also need to provide your lender with a valid ID, such as a driver’s license or passport.

The Pros and Cons of Payday Loans

While payday loans can be a useful way to cover unexpected expenses, they are not without their risks. Here are some of the pros and cons of payday loans:

  • Pros:
  • Quick and Convenient: Payday loans are easy to apply for and can often be approved in a matter of hours.
  • No Credit Check: Payday lenders typically do not require a credit check, so people with bad credit can still qualify.
  • No Collateral: You do not need to put up any collateral to secure a payday loan.
  • Cons:
  • High Interest and Fees: Payday loans come with very high interest rates and fees, which can make them very expensive in the long run.
  • Short Repayment Term: Payday loans must be repaid on your next payday, which can make it difficult to continue to cover your expenses.
  • Potential for Debt Cycle: If you cannot repay your payday loan on time, you may be forced to take out another loan to cover the expenses of the first loan. This can lead to a cycle of debt that is difficult to break.

Interesting Facts and Statistics about Payday Loans in Thicket, Texas

  • According to the Texas Office of Consumer Credit Commissioner, in 2020, there were 814 licensed payday lenders in Texas.
  • As of August 2021, the average interest rate for a 14-day payday loan in Texas was 664.29%.
  • According to a study by the Consumer Financial Protection Bureau, about 80% of payday loans are rolled over into a new loan within 14 days, and almost 50% of payday borrowers roll over their loans at least 10 times in a row.

Apply Now for a Payday Loan in Thicket, Texas

If you need a payday loan to cover unexpected expenses, TheGuaranteedLoans can connect you with potential lenders in Thicket, Texas. Simply fill out our online application and we will do the rest. Please note that TheGuaranteedLoans is not a direct lender but is a connector service that can help you find the right lender for your needs.

Remember, payday loans should only be used as a short-term solution to unexpected financial emergencies. If you find yourself in financial trouble, seek advice from a financial professional who can help you create a long-term plan for managing your finances.

F.A.Q.

Can I take out multiple payday loans in Thicket, Texas at the same time?

No, borrowers are only allowed to have one outstanding payday loan at a time in Thicket, Texas. This is to prevent borrowers from getting trapped in a cycle of debt.

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

Yes, most payday lenders in Thicket, 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.