Payday Loans in Valentine, Texas

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

Company nameAddressZip codePhone number
WesTex Community Credit Union 200 E Austin St, Kermit, TX 79745 +1 (432) 586 - 6631
Loans USA 2432 Southmore Ave, Pasadena, TX 77502 +1 (713) 472 - 0033
EZMONEY Loan Services 4210 SW 45th Ave, Amarillo, TX 79109 +1 (806) 354 - 9102
First National Bank of Kemp 100 TX-274, Kemp, TX 75143 +1 (903) 498 - 8541
Affiliated Bank 712 E California St, Gainesville, TX 76240 +1 (940) 612 - 4000
Lendmark Financial Services LLC 621 SW Johnson Ave Suite B, Burleson, TX 76028 +1 (817) 295 - 3197
Capital Farm Credit 207 S Berkshire, Crosbyton, TX 79322 +1 (806) 675 - 2761
Cash Store 1305 S Cage Blvd Ste 5, Pharr, TX 78577
Check 'n Go 305 Coke St, Hillsboro, TX 76645
Advance America 1408 Clarksville St, Paris, TX 75460

Payday Loan Companies in Nearby Cities

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

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

79854

Are Payday Loans Legal In Valentine, 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

Valentine, TX payday loan calculator

Payday Loans in Valentine, Texas: Understanding the Basics

Payday loans are a type of short-term loan that can provide quick cash for those in need. These loans are designed to be repaid with the borrower’s next paycheck, making them a useful tool for covering unexpected expenses or temporary cash shortages.

Valentine, Texas is no exception when it comes to payday loans. Although there are strict regulations in Texas regarding payday loans, they remain legal. In this article, we’ll delve into the specifics of payday loans in Valentine, Texas, how they work, and what potential borrowers need to know if they are considering applying for one of these loans.

How Payday Loans Work

Payday loans are typically small-dollar loans that are due within a few weeks. Borrowers write a post-dated check or give the lender access to their bank account, and then receive the loan amount in cash or deposited into their bank account. The loan amount is usually a percentage of the borrower’s next paycheck, and lenders often charge a fee for the loan in addition to the principal amount borrowed.

For example, if a borrower needs $500, the lender may charge a $75 fee and request a post-dated check for $575. When the borrower’s next paycheck is deposited, the lender will cash the check or debit the borrower’s account for the loan amount plus the fee.

Regulations in Texas

In Texas, payday loans are regulated by the Texas Office of Consumer Credit Commissioner. Lenders may only lend up to $1,800 and the maximum loan term is 180 days. Additionally, lenders must disclose the true cost of the loan, including the fee and APR, and may not charge interest rates above 10%.

Borrowers in Texas are also entitled to a repayment plan if they are unable to repay the loan on time. This repayment plan allows borrowers to repay the loan in installments over a longer period of time, without incurring additional fees or interest.

Applying for a Payday Loan in Valentine, Texas

If you are considering applying for a payday loan in Valentine, Texas, it’s important to understand the risks involved and the potential alternatives available. Payday loans can be a helpful tool in certain circumstances but can also lead to a cycle of debt if not used responsibly.

Before applying for a payday loan, consider whether there are other options available. This may include borrowing from friends or family, negotiating payment plans with creditors, or using a credit card with a lower interest rate. If none of these options are available, then a payday loan may be the best choice.

When applying for a payday loan, it’s important to compare lenders and their terms. Look for a lender with a good reputation, clear terms, and transparent fees. Be sure to read the fine print carefully and understand the repayment requirements.

Interesting Facts about Payday Loans in Valentine, Texas

  • Valentine, Texas has a population of just over 130 people, making it one of the smallest towns in Texas.
  • In the state of Texas, payday lenders have attempted to use criminal charges to collect on delinquent loans. This practice has been deemed illegal by the Texas Constitution.
  • The average payday loan in Texas is $408, and the average APR is 492%.

Apply Now

If you have decided that a payday loan is the best option for your financial situation, TheGuaranteedLoans can help connect you with potential lenders. Our online application is simple and easy to use, and we work with a network of trusted lenders in Valentine, Texas.

It’s important to note that TheGuaranteedLoans is not a direct lender, but a connector service. This means that we will facilitate your connection with potential lenders, but the terms and conditions of your loan will be between you and the lender.

To get started, simply fill out our online application and we’ll match you with trusted lenders who may be able to help. Remember, payday loans should be used responsibly and only in emergency situations.

F.A.Q.

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

If you are unable to repay your payday loan in Valentine, 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.

Can I extend my payday loan in Valentine, Texas?

Yes, you may be able to extend your payday loan in Valentine, Texas if you are unable to repay it on time. This is commonly known as rolling over the loan, and it may involve additional fees and charges. It is important to carefully consider the potential consequences of extending your payday loan before deciding to do so.