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Unlike some states, payday loans in Texas are legal and can offer fast cash when you need it. But the fees on these loans run high, with an average of $22.85 per $100 borrowed. If you had to pay that back in two weeks, the equivalent APR is a whopping 595.73%.
The good news is, Texans have more than just payday lenders to turn to when cash is tight. Here are alternatives, including personal loans and cash advance apps, that offer loans to bad credit borrowers at much lower rates, or with no interest at all.