Texas Payday Loans


Getting a payday advance in Texas is easy with consumers protected by the laws set up by the state. These borrowers are advised to find out more about these laws so that they can better transact with lenders while applying for a payday loan. We try to make this easier by providing borrowers with a complete list of the rates, fees and limitations enforced by the state. Using this information, you should be able to make the most out of your cash advance loan.

Payday loan laws governing other states are also available through the website. Questions, feedbacks and comments are also welcomed.

 Payday Loan Process in Texas

In order to obtain a payday loan in TN, you must first meet the basic regulations set by the lenders. Following are the different requirements for the transaction:

  • Borrower must be of legal age
  • Person must be a resident of Texas
  • Currently employed
  • Falls within the minimum salary requirement
  • Owns a bank account, preferably a checking type although savings are also accepted

Once you meet all these requirements, the next step is to fill in the form and wait for a response. Typically, payday loans gain an acceptance in as little as 48 hours, providing borrowers with their loan in 7 days or less.

Texas Payday Loan Laws and Regulations


Maximum Payday Loan Term
31 days
Payment Plan
Maximum Finance Charges and Fees

Finance charge of $12 per $100 borrowedfor

a 14 day loan,48% interest, plus $10 loan fee

Collection Fees
Maximum Loan Amount
Not stated, but most lenders cap around $500
Presentment Limit
Number of Rollovers
Private Right of Action
Outstanding Loans Allowed at Once
Military Protection
Cool-Off Period
  • Maximum Loan Amount: Not specified
  • Loan Term: 7 to 31 days
  • Finance Charge for a $100 Loan in 14 Days: $11.87
  • APR for a $100 Loan in 14 Days: 309.47%
  • Maximum Number of Outstanding Loans at a Time: Not Specified, no more than $500 aggregate
  • Rollovers Permitted: None

Collection fees are unspecified by the law along with the presence of a cooling off period. Maximum finance rates and fees are also varied, depending on the cost of the loan. According to TN laws, the finance rates must not be more than the authorized rates within the state. For 30 day loans, this translates to 83.43% and so on.

Texas Consumer Protection

It’s common to encounter some problems during the course of the payday loan. In the event of misunderstanding or questions, borrowers can always seek help from the Texas Office of Consumer Credit Commissioner. This handles all payday loan related transactions and can be contacted through various means:

The regulatory organization can also be contacted through their email address or through the website.

Texas Payday Loan Alternatives

If you have to think twice before obtaining a TN payday loan, it might be best if you first go for several alternatives. TN borrowers may choose to simply use their credit cards to purchase products/services until the next salary. They can also try to sell or pawn some unused items in the house, thereby padding their income temporarily. Some individuals go the easy route and borrow from friends and relatives, allowing them to avoid the hassle of interest rates. Bank loans are also viable although they are best sought for large loans costing more than several thousand dollars.

Payday Loans cities in Texas:
Abilene Addison Alamo
Alice Alvin Amarillo
Andrews Arlington Austin
Bay City Baytown Beaumont
Bedford Beeville Bonham
Brady Brenham Brownsville
Bryan Burleson Canton
Carrollton Cedar Hill Cedar Park
Channelview Clarksville Cleburne
Cleveland College Station Columbus
Conroe Corpus Christi Crosby
Crowley Dallas Decatur
Deer Park Del Rio Denison
Denton Desoto Dickinson
Duncanville Eagle Pass Edinburg
El Campo El Paso Ennis
Euless Fort Stockton Fort Worth
Friendswood Gainesville Galveston
Garland Gonzales Granbury
Grand Prairie Grapevine Greenville
Haltom City Harlingen Houston
Hudson Oaks Huntsville Irving
Jacksonville Jasper Katy
Keller Kerrville Killeen
Kingsville La Marque Lake Jackson
Laredo League City Lewisville
Liberty Longview Lubbock
Lufkin Lumberton Mansfield
Marble Falls Marshall Mcallen
Meridian Mesquite Midland
Mineola Missouri City Mount Pleasant
Nacogdoches Nederland Odessa
Palestine Paris Pasadena
Pearland Pflugerville Port Arthur
Porter Richardson Richmond
Rockdale Rosenberg Round Rock
San Angelo San Antonio San Benito
San Marcos Sealy Seguin
Sherman Socorro South Houston
Spring Stafford Sugar Land
Taylor Teague Temple
Texarkana Texas City Tomball
Tyler Universal City Uvalde
Victoria Waco Waxahachie
Weatherford Weslaco Whitehouse
Wichita Falls    

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