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Texas Payday Loan

State Laws Applicable to the Payday Loan Industry:
Cash advance laws in Texas are much like the laws in most other US states. Payday loan companies must have a license to issue loans to the public; they are barred from practicing loan-splitting, whereby one loan is divided into two loans allowing creditors to benefit from two interest charges; and they must have a visible display of loan conditions, rates and additional charges whether the business is conducted in a psychical store location or an online payday loan website. Furthermore, Texas legislation does not provide a limit on the number of cash advance loans that a consumer can have at once, however, it does specify that the cumulative amount of these loans cannot exceed $500.

Maximum Cash Advance Loan Amount Issued:
Borrowers can obtain $100 to $350 in check advance funds.

Length of Payday Loan Term:
Payday loan terms can range from 7 to 31 days in Texas.

Cash Advance Loan Extensions:
Loan renewals/rollovers are not authorized under Texas law.

Payday Loan Fees and Additional Charges:
Payday lenders in Texas can charge a $10 finance fee on cash advance loans plus an interest rate of 48% per year.

Cash Advance Fee Schedules and Annual Percentage Rate (APR):
In Texas, a 309% annual percentage rate (APR) is attached to a $100 loan issued for a loan term of 14 days.

Cash Advance Directory


Company: Ace Cash Express Inc
Street Address: 11355 Harry Hines Blvd
City: Dallas
State: TX
Zip: 75229
Phone: [972] 243-2274

Company: Cash It Quick
Street Address: 1702 S Bryant Blvd
City: San Angelo
State: TX
Zip: 76903
Phone: [325] 657-9935

Company: Ace Cash Express Inc
Street Address: 383 Pipeline Rd
City: Bedford
State: TX
Zip: 76022
Phone: [817] 280-0122

Company: Ace Americas Cash Express
Street Address: 833 N University Dr
City: Nacogdoches
State: TX
Zip: 75961
Phone: [936] 560-9400

Company: Ace Cash Express Inc
Street Address: 3936 S Polk St Ste 106
City: Dallas
State: TX
Zip: 75224
Phone: [214] 375-9223


Click here for more Texas cash advance companies.

Debt Management Directory


Company: Pax Enterprises Inc
Street Address: 200 Watson Dr
City: Allen
State: TX
Zip: 75002
Phone: [972] 727-3241

Company: Bank Of America Na
Street Address: 1011 W Mcdermott Dr
City: Allen
State: TX
Zip: 75013
Phone: [972] 359-2600

Company: G N I Capital Inc
Street Address: 15455 Dallas Pkwy Ste 200
City: Addison
State: TX
Zip: 75001
Phone: [212] 953-4033

Company: Citifinancial Auto
Street Address: 1212 N Josey Ln Ste 110
City: Carrollton
State: TX
Zip: 75006
Phone: [972] 416-7902

Company: Omega Financing Solutions Inc
Street Address: 1333 W Mcdrmt 200
City: Allen
State: TX
Zip: 75013
Phone: [469] 519-1035


Click here for more Texas credit card debt management companies.
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