Payday Loans in Baytown, TX
According to the Pew Charitable Trusts, five groups of people have higher chances of using payday loans. These include those:
- Without a 4-year college degree
- Divorced or separated
- Who are home renters
- Earning less than $40,000 annually
- Who are African Americans
Most borrow payday loans to cover ordinary expenses and not unexpected emergencies such as those for which the loans are intended. Nevertheless, they are an excellent option for anyone without access to conventional loans but still in a tight spot. You can get instant cash to help sort any type of need by applying for a payday loan.
Residents of Texas are among the lucky ones as payday loans there are legal. Therefore, if you need quick cash, payday loans in Baytown, TX, can come in handy.
Benefits of Payday Loans in Baytown, TX
Payday loans have plenty of advantages. These include:
- Easy to access – You can easily access payday loans in Baytown, TX, provided you have proof of income.
- Available for those with bad credit – Most payday lenders don’t bother to do credit checks.
- Ideal for any sort of emergency – Payday lenders don’t ask you the purpose of the loan when you apply.
- Flexible – You can pay them back with your next paycheck.
- Simple application process – You can apply for a payday loan anytime and anywhere, even on the go.
How to Get Payday Loans in Baytown, TX
If you are a resident of Baytown, TX, and looking for a payday loan, there’s no need to worry. AdvanceSOS has made it easy for you to access legitimate lenders of payday loans quickly. Our platform connects borrowers of payday loans with legit loan companies.
While you can always walk into a payday loan lender store and negotiate a good deal, it’s easy to complete your application online. For that reason, we created this platform to connect you with legit payday loans lenders in Baytown, TX.
Once approved, the lender deposits the cash into your account. This occurs within minutes, on the same day, or in one business day.
What Do You Need to Get a Payday Loan in Baytown, TX?
You must have a few of the requirements for you to be eligible for payday loans in Baytown, TX. These include:
- Be a U.S. resident of Baytown, TX
- Must be of the legal age of 18 years or older
- Have valid identification documents, including your ID or driver’s license
- Have a checking account
- Prove that you can repay the loan with a paystub or your bank statements to prove a source of income
APR and Fees
Payday loans are legal in several states in the U.S. Luckily, Texas is among those. Therefore, if you’re in Baytown, TX, you are eligible to get a payday loan, but they follow specific regulations, which include:
- APR can go above 400%
- The maximum loan amount is an average of $800
- The finance charge is >$30 => $1 for each $5 and [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35).
- Rollover allowed at an extra fee
- The minimum loan term is seven days, and the maximum loan term is 180 days
How Can We Help?
Finding genuine payday lenders has been a considerable challenge for most borrowers. That’s why AdvanceSOS came up with this platform to connect borrowers with legitimate payday lenders.
If you apply for a loan in Texas using our platform, you can be sure you’ll fall in the right hands. However, our work is to connect you with lenders. Once a lender approves your loan, be sure to read the fine print and understand their terms before you append that signature.
ATM Locations in Baytown, TX
|CRCU ATM||2911 N Alexander Dr, Baytown, TX 77520|
|Amegy Bank ATM||San Jacinto Mall, 1550 Garth Rd, Baytown, TX 77520|
|Amegy Bank ATM||3054-3098 N Main St, Baytown, TX 77521|
|CRCU ATM||8800 N, TX-146, Baytown, TX 77523|
|Bank of America ATM (Drive-thru)||4000 Garth Rd, Baytown, TX 77521|
|Bank of America ATM (Drive-thru)||2321 N Alexander Dr, Baytown, TX 77520|
|Cardtronics ATM||1601 N Alexander Dr, Baytown, TX 77520|
|CRCU ATM||7010 TX-146, Baytown, TX 77523|
|CRCU ATM||4401 Garth Rd, Baytown, TX 77521|
|CRCU ATM||4906 Garth Rd, Baytown, TX 77521|
|Amegy Bank ATM||7200 Bayway Dr, Baytown, TX 77520|
|PNC Bank ATM||3600 N Main St, Baytown, TX 77521|
|CRCU ATM||1700 James Bowie Dr, Baytown, TX 77520|
|PNC Bank ATM||4500 Garth Rd, Baytown, TX 77521|
|PNC Bank ATM||2401 Garth Rd, Baytown, TX 77520|
|Texas First Bank ATM||10110 Twisted Oak St, Baytown, TX 77521|
|Amegy Bank ATM||4555 Garth Rd, Baytown, TX 77521|
|ATM||5000 Bayway Dr, Baytown, TX 77520|
|Amegy Bank ATM||3530 Market St, Baytown, TX 77520|
|Amegy Bank ATM||1240 Garth Rd, Baytown, TX 77520|
|PNC Bank ATM||101 S Alexander Dr, Baytown, TX 77520|
Amanda is a senior writer at AdvanceSOS. She has more than six years of journalism experience, mostly in the finance sector. She graduated with a Bachelor’s Degree from Drew University.