Payday Loans in Waco, Texas

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Payday Loan Companies in Waco, TX

Company nameAddressZip codePhone number
ACE Cash Express 1105 W Waco Dr 76707 +1 (254) 755 - 8943
Advance America 807 N Valley Mills Dr 76710 +1 (254) 776 - 4289
American Bank - Plaza 200 W Hwy 6 100 76712 +1 (254) 412 - 2000
Atlas Credit Co., Inc. 2516 W Waco Dr 76701 +1 (254) 756 - 4440
Capital Farm Credit 7000 Woodway Dr 76712 +1 (254) 776 - 7506
Capitol Finance Co 2405 W Waco Dr C 76707 +1 (254) 753 - 6441
Cash America Pawn 1024 W Waco Dr 76701 +1 (254) 754 - 4012
Cash Store 1517 Interstate 35 N 110 76705 +1 (254) 867 - 6051
Check n Go 700 N Valley Mills Dr 76710 +1 (254) 776 - 5573
Community Loans of America Inc 800 TX-340 Loop 76705 +1 (254) 867 - 9500
Continental Finance & Thrift 1027 Austin Ave 76701 +1 (254) 754 - 5449
Covington Credit 2506 W Waco Dr 76710 +1 (254) 754 - 4449
Extraco Banks Waco: H-E-B 1821 S Valley Mills Dr 76711 +1 (254) 761 - 2000
Favorite Finance 1013 Austin Ave 76701 +1 (254) 756 - 4489
First Capital Finance Co 2420 W Waco Dr 76701 +1 (254) 754 - 5551
Guarantee Loan 2403 West Waco Dr A, Suite A 76707 +1 (254) 753 - 5368
Loan Express 2405 W Waco Dr suite b 76707 +1 (254) 756 - 5684
LoanStar Title Loans 3705 W Industrial Blvd 76711 +1 (254) 340 - 6510
Master Loan Service 2405 W Waco Dr 76707 +1 (254) 756 - 1859
Payment 1 Financial 1014 N Valley Mills Dr D 76710 +1 (254) 751 - 1761
Regional Finance 1615 N Valley Mills Dr 76710 +1 (254) 751 - 9631
Republic Finance 1411 N Valley Mills Dr Suite 7 76710 +1 (254) 224 - 5923
Speedy Cash 4217 W Waco Dr 76710 +1 (254) 752 - 1168
Star of Texas Financial Solutions 810 N Valley Mills Dr 76710 +1 (254) 203 - 5242
Sun Loan Company 2401 W Waco Dr Ste B 76707 +1 (254) 753 - 0033
Texan Credit Corporation 518 N New Rd 76710 +1 (254) 399 - 9240
TFNB Your Bank for Life 510 N Valley Mills Dr 100 76710 +1 (254) 840 - 2836
TitleMax Title Loans 100 S New Rd 76710 +1 (254) 399 - 6347
Western Finance 2404 W Waco Dr 76701 +1 (254) 755 - 8818

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waco, TX, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Waxahachie, TX, Payday Loans in Weslaco, TX, Payday Loans in Wichita Falls, TX, Payday Loans in Wylie, TX, Payday Loans in Abilene, TX, Payday Loans in Allen, TX, Payday Loans in Amarillo, TX and Payday Loans in Arlington, 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 Waco, TX.

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

76710, 76795, 76701, 76703, 76707, 76711, 76702, 76798, 76704, 76797, 76714, 76706, 76716, 76708, 76715, 76799, 76705

Are Payday Loans Legal In Waco, 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

Waco, TX payday loan calculator

Payday Loans in Waco, Texas

Payday loans are a type of short term loan available in many states throughout the US including Texas. People in Waco, Texas can apply for payday loans to cover emergency expenses, bridge gaps between paychecks, or make ends meet. Payday loans are legal in the state of Texas and can offer a solution to borrowers with bad credit who may not be able to access traditional forms of credit.

How Payday Loans Work

Payday loans are short term loans that are typically due on the borrower’s next pay date. The borrower will provide a post-dated check or other form of payment to the lender for the borrowed amount plus any applicable fees. The lender then cashes the check on the due date. Payday loans usually range from $100 to $1,000 and the fees are based on the amount borrowed.

Requirements for Payday Loans in Waco, Texas

In order to be eligible for a payday loan in Waco, Texas, the borrower must:

  • Be 18 years of age or older
  • Be a US citizen or have permanent residency
  • Be employed or have verifiable income
  • Have an active checking account

In addition to these requirements, lenders may also require borrowers to provide proof of residence and identity.

Benefits of Payday Loans in Waco, Texas

Fast Access to Cash: Payday loans can provide borrowers with quick access to cash when they need it, often in as little as one business day.

No Credit Check: Payday loans do not require a credit check, making them a good solution for borrowers with bad credit.

Flexible Repayment: Repayment terms are more flexible than traditional loans, often allowing borrowers to pay off the entire loan on their next pay date with no long-term repayment plan.

Risks of Payday Loans in Waco, Texas

Payday loans come with risks like high interest rates, excessive fees, and severe penalties for late or missed payments. Borrowers should consider these risks when deciding if a payday loan is the right option for them.

Alternatives to Payday Loans in Waco, Texas

In addition to payday loans, borrowers in Waco, Texas also have access to other loan products, including:

  • Small Personal Loans: Personal loans are generally easier to qualify for and offer more flexible repayment terms than payday loans. Some lenders even offer personal loans to borrowers with bad credit.
  • Credit Cards: Credit cards can provide an easy way to access funds and offer more flexibility than payday loans. However, they typically require a good credit score to qualify.
  • Budgeting Tools: There are many budgeting and personal finance tools available to help borrowers save money and manage their day-to-day finances.

FAQs about Payday Loans in Waco, Texas

Can I get a payday loan online?

Yes, many lenders offer online payday loans in Waco, Texas. Borrowers can research online lenders and compare their rates and terms to find the best product for their specific needs.

Do payday loans affect my credit score?

Payday loans do not usually appear on credit reports. However, if a borrower fails to repay the loan, the lender may report the loan as a charge-off to the major credit bureaus.

What happens if I can’t repay my payday loan?

If a borrower is unable to repay their payday loan, they should contact their lender to discuss options. In some cases, the lender may be willing to extend the loan or restructure the repayment plan. If the borrower is still unable to repay the loan, the lender may pursue legal action or report the debt to a collections agency.

Apply Now

At TheGuaranteedLoans, we can help you find the best payday loan lender in Waco, Texas. With just a few clicks, you can fill out our easy online application and get connected with a lender for further action. Remember that TheGuaranteedLoans is not a lender.

More F.A.Q.

How do I qualify for a payday loan in Waco, Texas?

To qualify for a payday loan in Waco, Texas, you must be at least 18 years old and have a steady source of income. You will also need to provide proof of your income, employment, and identification, as well as a valid checking account.

How much can I borrow with a payday loan in Waco, Texas?

The amount you can borrow with a payday loan in Waco, Texas is limited to a maximum of $500, according to state law. However, some lenders may offer larger loans, so it is always worth checking with the lender you choose.

How Many Cash Advance Companies are in Waco, TX?

With the help of our service, you will be able to find 29 cash advance companies in Waco, TX

What Cash Advance Companies in Waco, TX are the most popular?

You should check ACE Cash Express, Advance America, and American Bank - Plaza. Also, you can start your application online on our website.