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Find Payday Loan Companies in Texas

Governing law in state:
Cash advance loans are legal in Texas, which passed its first payday loan statutes in 2000. Check cash advance creditors must be licensed to operate in the state. The law also requires them to display a notice containing the fee schedule and a loan agreement. In Texas, lenders are prohibited from loan-splitting, or the separation of one loan into two loans for the purpose of charging interest on both. The law does not specify the maximum number of outstanding loans that a borrower can have at a given time. However, a customer may not have more than $500 in aggregate loans that are outstanding. A payday loan business cannot institute criminal proceedings against a delinquent or defaulting borrower.

Maximum loan amount:
Texas law does not specify a maximum loan amount.

Loan terms:
The loan term is 7-31 days.

Extensions:
Cash advance creditors are not permitted to renew or extend the loans.

Fees and charges:
Payday loan businesses can charge any fee or interest rate that the borrower is willing to pay. The maximum finance charges and fees that can be charged are $10 per loan and an annual interest of 48%. The finance charge for a two-week loan in the amount of $100 is $12. Additionally, cash advance lenders in Texas are allowed to impose handling charges.

Fee schedules and APR:
The APR for a two-week loan in the amount of $100 is 309%.

Payday Companies

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1

CASH AMERICA PAWN

14031 Coit Rd,
Dallas, Texas 75240
(972) 991-3373
Cash America Pawn in Coit Road, Dallas, Texas, offers you loan options guaranteed to get you cash whenever you need it. They have loan options to suit...
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2

Dallas Payday Cash Advance

1836 Commerce St,
Dallas, Texas 75201
(214) 272-2324
...
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3

Fort Worth Cash

3005 W 7th St,
Fort Worth, Texas 76107
(817) 334-0023
Do you need that extra cash but it?s already past normal operating hours? Do not worry because at Fort Worth Cash, you can fill up an online applicati...
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4

Payday Loans in Dallas

4000 Sycamore St,
Dallas, Texas 75204
(214) 272-2318
...
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5

El Paso Cash

2501 N Mesa St,
El Paso, Texas 79902
(915) 838-1675
Acquire the extra cash you need for any emergency situations with El Paso Cash, where they offer fast and easy payday loan applications 24/7. They hav...

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Texas Loan Statistics
2012 2011 2010
Average Loan574582581
Average Age343535
Pay Schedule
  Weekly14%11%11%
  Bi-Weekly54%56%53%
  Monthly15%17%18%
  Twice Per Month17%16%18%
Home Owner23%23%24%
Renter77%77%76%
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