Texas Payday Loans
Real cash advance loans are available for people that reside in Texas. Payday advance lending is a great way for individuals who have bills to pay or to have the home or car repairs that are needed. We understand that various other problems and emergencies can come up with your next paycheck, and you need money now.
Fill out the form or call us at 1-855-980-5879 Safe and secure, no obligation to accept any offer.
Fast Cash Advance Loan
You can get the cash that you are needing by the next day. Request a cash advance loan today. You can receive your funds within a remarkably short time span. No paperwork or phone calls may be required to obtain the credit needed. With the RCA short application process, you will be on your way to a small term loan up to $1000. You will next have the cash that you want to control the unexpected monetary requirements without having to deal with late charges or the high credit card rates.
TEXAS PAYDAY LOAN LAWS
Payday loan advances are for people who need extra money while they are in-between paychecks. Some consider payday loans to be issued by so-called loan sharks who are preying upon people of already limited means. These payday loan advances typically include sky-high interest rates that rapidly accumulate so it can become tough to pay back the loan.
Many laws have been passed to govern the payday loan industry to protect people from predatory loan services. Every state has specific laws about what should happen if a person fails to pay back a payday loan, in most cases these loans are considered a civil matter and not a criminal offense. The federal law clearly states that criminal proceedings cannot ever be used to collect a debt.
However, the procedure of receiving a payday loan involves giving the loan provider permission to withdrawal the funds through a paper or electronic check. So, when people have failed to pay their payday loan and their check bounces, the advance company may try to peruse this matter as a criminal charge citing the borrower for writing fraudulent checks.
In Texas, unpaid payday loans are to be managed by the civil court and cannot be judged by a criminal judicial system. A recent revision of the laws about payday loans was made in 2012 to prevent criminal charges being filed in these cases. The legislation in Texas are very precise, and a payday loan is considered to be a debt. Therefore, a person cannot have criminal charges placed against them for failing to repay a payday loan in Texas.
Unfortunately, there are many cases documented within the state of Texas showing many people who have been arrested and charged with criminal misconduct for failing to repay their payday loan. These arrests are a violation of both federal and state law.
Even though Texas law explicitly says any failure to repay a payday loan is a civil matter and not considered as check fraud, people are being charged with the criminal act of writing bad checks. "Theft by check" is a crime classified as a Class B misdemeanor and carries a sentence of up to 180 days (6 months) in jail and fines due to the court.
Many times, the cases filed against cash advance borrowers are being insufficiently investigated. The Texas Justice of the Peace courts is now under fire for filing charges against people indiscriminately for writing bad checks, even though these charges flies directly in the face of Texas law.
Payday Loan Locations in Texas
Payday lenders are located all around Texas including Abilene, Alice, Alvin, Amarillo, Andrews, Angleton, Arlington. Athens, Bay City, Beaumont, Beeville, Belton, Big Spring, Borger, Brenham, Brownsville, Brownwood, Bryan, Burkburnett, Canyon, Carrollton, Cedar Park, Cleburne, College Station, Conroe, Converse. Copperas Cove, Corpus Christi, Corsicana, Dallas, Del Rio, Denison, Denton, Dumas, Eagle Pass, Edinburg, El Campo, El Paso, Ennis, Fort Worth, Freeport, Gainesville, Galveston, Gatesville, Georgetown, Greenville, Groves. Harlingen, Henderson, Hereford, Hewitt, Houston, Humble. Huntsville, Ingleside, Irving, Jacksonville, Kerrville, Kilgore, Killeen, Kingsville, La Marque, Lake Jackson, Lamesa, Laredo, Levelland, Lewisville, Live Oak, Lockhart, Longview, Lubbock. Lufkin, Mansfield, Marshall, McAllen, McKinney, Midland, Missouri City, Mount Pleasant, Nacogdoches, New Braunfels, Palestine, Pampa, Paris, Pasadena, Pecos, Plainview. Plano, Port Arthur, Port Lavaca, Portland, Richmond, Rio Grande City, Rockwall, Roma, Round Rock, San Angelo, San Antonio, San Benito. San Marcos, Seguin, Sherman, Snyder, Socorro, Stephenville, Sugar Land, Sulphur Springs, Sweetwater, Taylor, Texas City, Tyler, Uvalde, Vernon, Victoria, Vidor, Waco, Waxahachie Wichita Falls.
The following Texas cities have regulations on payday loans. Austin, Balcones Heights, Baytown, Bellaire, Bryan, College Station, Dallas, Denton, El Paso, Flower Mound, Garland, Houston, Midland, San Antonio, Somerset, South Houston, Universal City, and West Universit
The following cities have enacted land use regulation: Brownsville, Corinth, Garland, Irving, Little Elm, Mesquite, Missouri City, Richardson, Sachse, and Watauga.