Editor's choice: OppLoans Installment Loans
- Easy online application
- Quick approval
- Long repayment terms
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Anyone can find themselves in financial trouble. Whether it be an unexpected bill or a simple gap in your budget, if you’re considering a short-term loan in Austin, check out this guide before you apply.
Yes, payday loans are legal throughout Texas. In fact, Austin is one of 22 cities in Texas that have passed local ordinances with the aim of helping borrowers repay their loans successfully. The Austin payday loan ordinance requires all credit access businesses (CABs) that operate within city limits to register with the City’s Telecommunications & Regulatory Affairs (TARA) office.
Here’s a quick list of Austin laws short-term lenders must abide by:
In order to qualify, you need to provide some documentation (paychecks, bank statements, tax returns, etc.) to confirm your income. You can request a copy of any document you need to sign, and you should. Keeping records of your loans is a good way to contest debt if your lender turns out to be disreputable.
If you’re approved, be sure you read your loan contract carefully. Lenders are required to clearly state the terms of your loan and how much you’ll have to pay.
If you aren’t approved, why not consider an alternative?
At the end of the original loan term of 14 days, Michael didn’t have enough to pay back his loan. He refinanced his loan by putting down $50, which was over 25% of the original loan amount. He had to pay additional monthly handling fees as well as more interest.
By the time he paid off his loan, he wound up paying $113.53 in fees. The total cost of his $100 loan was $213.53.
Image: Snappy Goat
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