# Loans in Texas (2026): Payday, Personal & Title Loan Laws

Source: https://zebrafinance.com/loans/texas/
Publisher: Zebra Finance (Free loan-matching service. Zebra Finance is not a lender.)
Updated: 2026-11-02

# Loans in Texas: payday, personal & title loan laws (2026)

> In Texas, payday loans are legal through a CSO/CAB, car title loans are legal through a CSO/CAB, and personal installment loans are available from licensed lenders. Below are the verified rules, local lenders and credit unions for all 254 counties and 269 cities with 10,000+ residents.

### Payday Loans Legal via CSO/CAB

Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party lender.

### Personal Loans

Tiered caps for licensed Chapter 342 lenders: up to 30% a year on the first $4,600, 24% on the part from $4,600 to $9,660, and 18% on the part up to $23,000 (amounts for loans made July 1, 2026 to June 30, 2027).

### Title Loans Legal via CSO/CAB

Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a third-party lender, and the CAB fee is not capped by state law.

## Texas at a glance

- Residents: 30,188,424
- Median household income: $78,476
- FDIC bank branches: 6,405
- Credit-union branches: 1,818

## Texas loan rules side by side

### Payday loans

| Rule | What the law says |
|---|---|
| Fee cap | No state cap on the credit access business fee. The law lets a CAB charge fees 'as agreed to between the parties', calculated daily, biweekly, monthly or on another period, as long as the fee is disclosed. Interest charged by the third-party lender is separate. ([Tex. Fin. Code § 393.602(b)](https://tcss.legis.texas.gov/resources/FI/htm/FI.393.htm)) |
| Rollovers | State law does not ban refinancing. A CAB must post a notice that refinancing instead of paying in full 'will require the payment of additional charges,' and must give you a disclosure showing the fees that build up if the loan is renewed or refinanced for two weeks, one month, two months and three months. ([Tex. Fin. Code §§ 393.222(a)(3), 393.223(a)(2)](https://tcss.legis.texas.gov/resources/FI/htm/FI.393.htm)) |

### Car title loans

| Rule | What the law says |
|---|---|
| Rate cap | No state cap on the CAB's fee; fees are as agreed and must be disclosed. ([Tex. Fin. Code § 393.602(b)](https://tcss.legis.texas.gov/resources/FI/htm/FI.393.htm)) |
| Renewals | Refinancing is allowed. Before arranging a title loan the CAB must disclose the fees that build up if the loan is renewed or refinanced for two weeks, one month, two months and three months, and post a notice that refinancing costs extra. ([Tex. Fin. Code §§ 393.222, 393.223(a)(2)](https://tcss.legis.texas.gov/resources/FI/htm/FI.393.htm)) |
| Repossession | The CAB must warn you in writing that on default you may have to surrender the vehicle. Under the general Texas secured-transactions law a lender may repossess after default without a court order only if it does so without a breach of the peace, and must send a reasonable written notice before selling the vehicle. ([Tex. Fin. Code § 393.223(b); Tex. Bus. & Com. Code §§ 9.609, 9.611](https://tcss.legis.texas.gov/resources/FI/htm/FI.393.htm)) |

### Personal loans

| Rule | What the law says |
|---|---|
| Rate cap | Under the true-daily-earnings method: 30% a year on the part of the cash advance up to the first bracket, 24% up to the second, and 18% up to the third. OCCC set the brackets at $4,600, $9,660 and $23,000 for loans made July 1, 2026 through June 30, 2027. (An alternative add-on method allows $18 per $100 per year up to $2,760 and $8 per $100 per year up to $23,000.) For Subchapter E small loans (cash advance up to $920, or up to $1,840 under § 342.259) the lender may instead charge an acquisition charge plus an installment account handling charge of up to $4 a month per $100. ([Tex. Fin. Code §§ 342.201(a), (e), 342.251, 342.252, 342.259](https://tcss.legis.texas.gov/resources/FI/htm/FI.342.htm)) |
| License required | A Chapter 342 license is required to make, transact or negotiate loans that charge more than other law allows. ([Tex. Fin. Code § 342.051(a)](https://tcss.legis.texas.gov/resources/FI/htm/FI.342.htm)) |
| Origination fee | An administrative fee is allowed. The statute sets $25 (loans over $1,000) or $20 (loans of $1,000 or less), but the Finance Commission may set a higher maximum by rule; OCCC set the maximum administrative fee and the small-loan acquisition charge at $130 for loans made July 1, 2026 to June 30, 2027. The fee may be charged only once per 180 days on refinancing (once per 365 days for loans priced under the 30/24/18% method). ([Tex. Fin. Code §§ 342.201(f), (g), 342.252(b)](https://occc.texas.gov/wp-content/uploads/2026/04/Texas_Credit_Letters_2026-2.pdf)) |

Rules last checked against the state sources on October 25, 2026.

## Counties in Texas

[Anderson County](https://zebrafinance.com/loans/texas/anderson-county/), [Andrews County](https://zebrafinance.com/loans/texas/andrews-county/), [Angelina County](https://zebrafinance.com/loans/texas/angelina-county/), [Aransas County](https://zebrafinance.com/loans/texas/aransas-county/), [Archer County](https://zebrafinance.com/loans/texas/archer-county/), [Armstrong County](https://zebrafinance.com/loans/texas/armstrong-county/), [Atascosa County](https://zebrafinance.com/loans/texas/atascosa-county/), [Austin County](https://zebrafinance.com/loans/texas/austin-county/), [Bailey County](https://zebrafinance.com/loans/texas/bailey-county/), [Bandera County](https://zebrafinance.com/loans/texas/bandera-county/), [Bastrop County](https://zebrafinance.com/loans/texas/bastrop-county/), [Baylor County](https://zebrafinance.com/loans/texas/baylor-county/), [Bee County](https://zebrafinance.com/loans/texas/bee-county/), [Bell County](https://zebrafinance.com/loans/texas/bell-county/), [Bexar County](https://zebrafinance.com/loans/texas/bexar-county/), [Blanco County](https://zebrafinance.com/loans/texas/blanco-county/), [Borden County](https://zebrafinance.com/loans/texas/borden-county/), [Bosque County](https://zebrafinance.com/loans/texas/bosque-county/), [Bowie County](https://zebrafinance.com/loans/texas/bowie-county/), [Brazoria County](https://zebrafinance.com/loans/texas/brazoria-county/), [Brazos County](https://zebrafinance.com/loans/texas/brazos-county/), [Brewster County](https://zebrafinance.com/loans/texas/brewster-county/), [Briscoe County](https://zebrafinance.com/loans/texas/briscoe-county/), [Brooks County](https://zebrafinance.com/loans/texas/brooks-county/), [Brown County](https://zebrafinance.com/loans/texas/brown-county/), [Burleson County](https://zebrafinance.com/loans/texas/burleson-county/), [Burnet County](https://zebrafinance.com/loans/texas/burnet-county/), [Caldwell County](https://zebrafinance.com/loans/texas/caldwell-county/), [Calhoun County](https://zebrafinance.com/loans/texas/calhoun-county/), [Callahan County](https://zebrafinance.com/loans/texas/callahan-county/), [Cameron County](https://zebrafinance.com/loans/texas/cameron-county/), [Camp County](https://zebrafinance.com/loans/texas/camp-county/), [Carson County](https://zebrafinance.com/loans/texas/carson-county/), [Cass County](https://zebrafinance.com/loans/texas/cass-county/), [Castro County](https://zebrafinance.com/loans/texas/castro-county/), [Chambers County](https://zebrafinance.com/loans/texas/chambers-county/), [Cherokee County](https://zebrafinance.com/loans/texas/cherokee-county/), [Childress County](https://zebrafinance.com/loans/texas/childress-county/), [Clay County](https://zebrafinance.com/loans/texas/clay-county/), [Cochran County](https://zebrafinance.com/loans/texas/cochran-county/), [Coke County](https://zebrafinance.com/loans/texas/coke-county/), [Coleman County](https://zebrafinance.com/loans/texas/coleman-county/), [Collin 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[Dallas County](https://zebrafinance.com/loans/texas/dallas-county/), [Dawson County](https://zebrafinance.com/loans/texas/dawson-county/), [DeWitt County](https://zebrafinance.com/loans/texas/dewitt-county/), [Deaf Smith County](https://zebrafinance.com/loans/texas/deaf-smith-county/), [Delta County](https://zebrafinance.com/loans/texas/delta-county/), [Denton County](https://zebrafinance.com/loans/texas/denton-county/), [Dickens County](https://zebrafinance.com/loans/texas/dickens-county/), [Dimmit County](https://zebrafinance.com/loans/texas/dimmit-county/), [Donley County](https://zebrafinance.com/loans/texas/donley-county/), [Duval County](https://zebrafinance.com/loans/texas/duval-county/), [Eastland County](https://zebrafinance.com/loans/texas/eastland-county/), [Ector County](https://zebrafinance.com/loans/texas/ector-county/), [Edwards County](https://zebrafinance.com/loans/texas/edwards-county/), [El Paso County](https://zebrafinance.com/loans/texas/el-paso-county/), [Ellis County](https://zebrafinance.com/loans/texas/ellis-county/), [Erath County](https://zebrafinance.com/loans/texas/erath-county/), [Falls County](https://zebrafinance.com/loans/texas/falls-county/), [Fannin County](https://zebrafinance.com/loans/texas/fannin-county/), [Fayette County](https://zebrafinance.com/loans/texas/fayette-county/), [Fisher County](https://zebrafinance.com/loans/texas/fisher-county/), [Floyd County](https://zebrafinance.com/loans/texas/floyd-county/), [Foard County](https://zebrafinance.com/loans/texas/foard-county/), [Fort Bend County](https://zebrafinance.com/loans/texas/fort-bend-county/), [Franklin County](https://zebrafinance.com/loans/texas/franklin-county/), [Freestone County](https://zebrafinance.com/loans/texas/freestone-county/), [Frio County](https://zebrafinance.com/loans/texas/frio-county/), [Gaines County](https://zebrafinance.com/loans/texas/gaines-county/), [Galveston County](https://zebrafinance.com/loans/texas/galveston-county/), [Garza County](https://zebrafinance.com/loans/texas/garza-county/), [Gillespie County](https://zebrafinance.com/loans/texas/gillespie-county/), [Glasscock County](https://zebrafinance.com/loans/texas/glasscock-county/), [Goliad County](https://zebrafinance.com/loans/texas/goliad-county/), [Gonzales County](https://zebrafinance.com/loans/texas/gonzales-county/), [Gray County](https://zebrafinance.com/loans/texas/gray-county/), [Grayson County](https://zebrafinance.com/loans/texas/grayson-county/), [Gregg County](https://zebrafinance.com/loans/texas/gregg-county/), [Grimes County](https://zebrafinance.com/loans/texas/grimes-county/), [Guadalupe County](https://zebrafinance.com/loans/texas/guadalupe-county/), [Hale County](https://zebrafinance.com/loans/texas/hale-county/), [Hall County](https://zebrafinance.com/loans/texas/hall-county/), [Hamilton County](https://zebrafinance.com/loans/texas/hamilton-county/), [Hansford County](https://zebrafinance.com/loans/texas/hansford-county/), [Hardeman County](https://zebrafinance.com/loans/texas/hardeman-county/), [Hardin County](https://zebrafinance.com/loans/texas/hardin-county/), [Harris County](https://zebrafinance.com/loans/texas/harris-county/), [Harrison County](https://zebrafinance.com/loans/texas/harrison-county/), [Hartley County](https://zebrafinance.com/loans/texas/hartley-county/), [Haskell County](https://zebrafinance.com/loans/texas/haskell-county/), [Hays County](https://zebrafinance.com/loans/texas/hays-county/), [Hemphill County](https://zebrafinance.com/loans/texas/hemphill-county/), [Henderson County](https://zebrafinance.com/loans/texas/henderson-county/), [Hidalgo County](https://zebrafinance.com/loans/texas/hidalgo-county/), [Hill County](https://zebrafinance.com/loans/texas/hill-county/), [Hockley County](https://zebrafinance.com/loans/texas/hockley-county/), [Hood County](https://zebrafinance.com/loans/texas/hood-county/), [Hopkins County](https://zebrafinance.com/loans/texas/hopkins-county/), [Houston County](https://zebrafinance.com/loans/texas/houston-county/), [Howard County](https://zebrafinance.com/loans/texas/howard-county/), [Hudspeth County](https://zebrafinance.com/loans/texas/hudspeth-county/), [Hunt County](https://zebrafinance.com/loans/texas/hunt-county/), [Hutchinson County](https://zebrafinance.com/loans/texas/hutchinson-county/), [Irion County](https://zebrafinance.com/loans/texas/irion-county/), [Jack County](https://zebrafinance.com/loans/texas/jack-county/), [Jackson County](https://zebrafinance.com/loans/texas/jackson-county/), [Jasper County](https://zebrafinance.com/loans/texas/jasper-county/), [Jeff Davis County](https://zebrafinance.com/loans/texas/jeff-davis-county/), [Jefferson County](https://zebrafinance.com/loans/texas/jefferson-county/), [Jim Hogg County](https://zebrafinance.com/loans/texas/jim-hogg-county/), [Jim Wells County](https://zebrafinance.com/loans/texas/jim-wells-county/), [Johnson County](https://zebrafinance.com/loans/texas/johnson-county/), [Jones County](https://zebrafinance.com/loans/texas/jones-county/), [Karnes County](https://zebrafinance.com/loans/texas/karnes-county/), [Kaufman County](https://zebrafinance.com/loans/texas/kaufman-county/), [Kendall County](https://zebrafinance.com/loans/texas/kendall-county/), [Kenedy County](https://zebrafinance.com/loans/texas/kenedy-county/), [Kent County](https://zebrafinance.com/loans/texas/kent-county/), [Kerr County](https://zebrafinance.com/loans/texas/kerr-county/), [Kimble County](https://zebrafinance.com/loans/texas/kimble-county/), [King County](https://zebrafinance.com/loans/texas/king-county/), [Kinney County](https://zebrafinance.com/loans/texas/kinney-county/), [Kleberg County](https://zebrafinance.com/loans/texas/kleberg-county/), [Knox County](https://zebrafinance.com/loans/texas/knox-county/), [La Salle County](https://zebrafinance.com/loans/texas/la-salle-county/), [Lamar County](https://zebrafinance.com/loans/texas/lamar-county/), [Lamb County](https://zebrafinance.com/loans/texas/lamb-county/), [Lampasas County](https://zebrafinance.com/loans/texas/lampasas-county/), [Lavaca County](https://zebrafinance.com/loans/texas/lavaca-county/), [Lee County](https://zebrafinance.com/loans/texas/lee-county/), [Leon County](https://zebrafinance.com/loans/texas/leon-county/), [Liberty County](https://zebrafinance.com/loans/texas/liberty-county/), [Limestone County](https://zebrafinance.com/loans/texas/limestone-county/), [Lipscomb County](https://zebrafinance.com/loans/texas/lipscomb-county/), [Live Oak County](https://zebrafinance.com/loans/texas/live-oak-county/), [Llano County](https://zebrafinance.com/loans/texas/llano-county/), [Loving County](https://zebrafinance.com/loans/texas/loving-county/), [Lubbock County](https://zebrafinance.com/loans/texas/lubbock-county/), [Lynn County](https://zebrafinance.com/loans/texas/lynn-county/), [Madison County](https://zebrafinance.com/loans/texas/madison-county/), [Marion County](https://zebrafinance.com/loans/texas/marion-county/), [Martin County](https://zebrafinance.com/loans/texas/martin-county/), [Mason County](https://zebrafinance.com/loans/texas/mason-county/), [Matagorda County](https://zebrafinance.com/loans/texas/matagorda-county/), [Maverick County](https://zebrafinance.com/loans/texas/maverick-county/), [McCulloch County](https://zebrafinance.com/loans/texas/mcculloch-county/), [McLennan County](https://zebrafinance.com/loans/texas/mclennan-county/), [McMullen County](https://zebrafinance.com/loans/texas/mcmullen-county/), [Medina County](https://zebrafinance.com/loans/texas/medina-county/), [Menard County](https://zebrafinance.com/loans/texas/menard-county/), [Midland County](https://zebrafinance.com/loans/texas/midland-county/), [Milam County](https://zebrafinance.com/loans/texas/milam-county/), [Mills County](https://zebrafinance.com/loans/texas/mills-county/), [Mitchell County](https://zebrafinance.com/loans/texas/mitchell-county/), [Montague County](https://zebrafinance.com/loans/texas/montague-county/), [Montgomery County](https://zebrafinance.com/loans/texas/montgomery-county/), [Moore County](https://zebrafinance.com/loans/texas/moore-county/), [Morris County](https://zebrafinance.com/loans/texas/morris-county/), [Motley County](https://zebrafinance.com/loans/texas/motley-county/), [Nacogdoches County](https://zebrafinance.com/loans/texas/nacogdoches-county/), [Navarro County](https://zebrafinance.com/loans/texas/navarro-county/), [Newton County](https://zebrafinance.com/loans/texas/newton-county/), [Nolan County](https://zebrafinance.com/loans/texas/nolan-county/), [Nueces County](https://zebrafinance.com/loans/texas/nueces-county/), [Ochiltree County](https://zebrafinance.com/loans/texas/ochiltree-county/), [Oldham County](https://zebrafinance.com/loans/texas/oldham-county/), [Orange County](https://zebrafinance.com/loans/texas/orange-county/), [Palo Pinto County](https://zebrafinance.com/loans/texas/palo-pinto-county/), [Panola County](https://zebrafinance.com/loans/texas/panola-county/), [Parker County](https://zebrafinance.com/loans/texas/parker-county/), [Parmer County](https://zebrafinance.com/loans/texas/parmer-county/), [Pecos County](https://zebrafinance.com/loans/texas/pecos-county/), [Polk County](https://zebrafinance.com/loans/texas/polk-county/), [Potter County](https://zebrafinance.com/loans/texas/potter-county/), [Presidio County](https://zebrafinance.com/loans/texas/presidio-county/), [Rains County](https://zebrafinance.com/loans/texas/rains-county/), [Randall County](https://zebrafinance.com/loans/texas/randall-county/), [Reagan County](https://zebrafinance.com/loans/texas/reagan-county/), [Real County](https://zebrafinance.com/loans/texas/real-county/), [Red River County](https://zebrafinance.com/loans/texas/red-river-county/), [Reeves County](https://zebrafinance.com/loans/texas/reeves-county/), [Refugio County](https://zebrafinance.com/loans/texas/refugio-county/), [Roberts County](https://zebrafinance.com/loans/texas/roberts-county/), [Robertson County](https://zebrafinance.com/loans/texas/robertson-county/), [Rockwall County](https://zebrafinance.com/loans/texas/rockwall-county/), [Runnels County](https://zebrafinance.com/loans/texas/runnels-county/), [Rusk County](https://zebrafinance.com/loans/texas/rusk-county/), [Sabine County](https://zebrafinance.com/loans/texas/sabine-county/), [San Augustine County](https://zebrafinance.com/loans/texas/san-augustine-county/), [San Jacinto County](https://zebrafinance.com/loans/texas/san-jacinto-county/), [San Patricio County](https://zebrafinance.com/loans/texas/san-patricio-county/), [San Saba County](https://zebrafinance.com/loans/texas/san-saba-county/), [Schleicher County](https://zebrafinance.com/loans/texas/schleicher-county/), [Scurry County](https://zebrafinance.com/loans/texas/scurry-county/), [Shackelford County](https://zebrafinance.com/loans/texas/shackelford-county/), [Shelby County](https://zebrafinance.com/loans/texas/shelby-county/), [Sherman County](https://zebrafinance.com/loans/texas/sherman-county/), [Smith County](https://zebrafinance.com/loans/texas/smith-county/), [Somervell County](https://zebrafinance.com/loans/texas/somervell-county/), [Starr County](https://zebrafinance.com/loans/texas/starr-county/), [Stephens County](https://zebrafinance.com/loans/texas/stephens-county/), [Sterling County](https://zebrafinance.com/loans/texas/sterling-county/), [Stonewall County](https://zebrafinance.com/loans/texas/stonewall-county/), [Sutton County](https://zebrafinance.com/loans/texas/sutton-county/), [Swisher County](https://zebrafinance.com/loans/texas/swisher-county/), [Tarrant County](https://zebrafinance.com/loans/texas/tarrant-county/), [Taylor County](https://zebrafinance.com/loans/texas/taylor-county/), [Terrell County](https://zebrafinance.com/loans/texas/terrell-county/), [Terry County](https://zebrafinance.com/loans/texas/terry-county/), [Throckmorton County](https://zebrafinance.com/loans/texas/throckmorton-county/), [Titus County](https://zebrafinance.com/loans/texas/titus-county/), [Tom Green County](https://zebrafinance.com/loans/texas/tom-green-county/), [Travis County](https://zebrafinance.com/loans/texas/travis-county/), [Trinity County](https://zebrafinance.com/loans/texas/trinity-county/), [Tyler County](https://zebrafinance.com/loans/texas/tyler-county/), [Upshur County](https://zebrafinance.com/loans/texas/upshur-county/), [Upton County](https://zebrafinance.com/loans/texas/upton-county/), [Uvalde County](https://zebrafinance.com/loans/texas/uvalde-county/), [Val Verde County](https://zebrafinance.com/loans/texas/val-verde-county/), [Van Zandt County](https://zebrafinance.com/loans/texas/van-zandt-county/), [Victoria County](https://zebrafinance.com/loans/texas/victoria-county/), [Walker County](https://zebrafinance.com/loans/texas/walker-county/), [Waller County](https://zebrafinance.com/loans/texas/waller-county/), [Ward County](https://zebrafinance.com/loans/texas/ward-county/), [Washington County](https://zebrafinance.com/loans/texas/washington-county/), [Webb County](https://zebrafinance.com/loans/texas/webb-county/), [Wharton County](https://zebrafinance.com/loans/texas/wharton-county/), [Wheeler County](https://zebrafinance.com/loans/texas/wheeler-county/), [Wichita County](https://zebrafinance.com/loans/texas/wichita-county/), [Wilbarger County](https://zebrafinance.com/loans/texas/wilbarger-county/), [Willacy County](https://zebrafinance.com/loans/texas/willacy-county/), [Williamson County](https://zebrafinance.com/loans/texas/williamson-county/), [Wilson County](https://zebrafinance.com/loans/texas/wilson-county/), [Winkler County](https://zebrafinance.com/loans/texas/winkler-county/), [Wise County](https://zebrafinance.com/loans/texas/wise-county/), [Wood County](https://zebrafinance.com/loans/texas/wood-county/), [Yoakum County](https://zebrafinance.com/loans/texas/yoakum-county/), [Young County](https://zebrafinance.com/loans/texas/young-county/), [Zapata County](https://zebrafinance.com/loans/texas/zapata-county/), [Zavala County](https://zebrafinance.com/loans/texas/zavala-county/)

## Cities in Texas

[Houston](https://zebrafinance.com/personal-loans/texas/houston/), [San Antonio](https://zebrafinance.com/personal-loans/texas/san-antonio/), [Dallas](https://zebrafinance.com/personal-loans/texas/dallas/), [Austin](https://zebrafinance.com/personal-loans/texas/austin/), [Fort Worth](https://zebrafinance.com/personal-loans/texas/fort-worth/), [El Paso](https://zebrafinance.com/personal-loans/texas/el-paso/), [Arlington](https://zebrafinance.com/personal-loans/texas/arlington/), [Corpus Christi](https://zebrafinance.com/personal-loans/texas/corpus-christi/), [Plano](https://zebrafinance.com/personal-loans/texas/plano/), [Lubbock](https://zebrafinance.com/personal-loans/texas/lubbock/), [Laredo](https://zebrafinance.com/personal-loans/texas/laredo/), [Irving](https://zebrafinance.com/personal-loans/texas/irving/), [Garland](https://zebrafinance.com/personal-loans/texas/garland/), [Frisco](https://zebrafinance.com/personal-loans/texas/frisco/), [McKinney](https://zebrafinance.com/personal-loans/texas/mckinney/), [Amarillo](https://zebrafinance.com/personal-loans/texas/amarillo/), [Grand Prairie](https://zebrafinance.com/personal-loans/texas/grand-prairie/), [Brownsville](https://zebrafinance.com/personal-loans/texas/brownsville/), [Killeen](https://zebrafinance.com/personal-loans/texas/killeen/), [Denton](https://zebrafinance.com/personal-loans/texas/denton/), [Pasadena](https://zebrafinance.com/personal-loans/texas/pasadena/), [Mesquite](https://zebrafinance.com/personal-loans/texas/mesquite/), [McAllen](https://zebrafinance.com/personal-loans/texas/mcallen/), [Waco](https://zebrafinance.com/personal-loans/texas/waco/), [Midland](https://zebrafinance.com/personal-loans/texas/midland/), [Carrollton](https://zebrafinance.com/personal-loans/texas/carrollton/), [Lewisville](https://zebrafinance.com/personal-loans/texas/lewisville/), [Abilene](https://zebrafinance.com/personal-loans/texas/abilene/), [Round Rock](https://zebrafinance.com/personal-loans/texas/round-rock/), [Pearland](https://zebrafinance.com/personal-loans/texas/pearland/), [College Station](https://zebrafinance.com/personal-loans/texas/college-station/), [The Woodlands](https://zebrafinance.com/personal-loans/texas/the-woodlands/), [Richardson](https://zebrafinance.com/personal-loans/texas/richardson/), [League City](https://zebrafinance.com/personal-loans/texas/league-city/), [Odessa](https://zebrafinance.com/personal-loans/texas/odessa/), [Beaumont](https://zebrafinance.com/personal-loans/texas/beaumont/), [Allen](https://zebrafinance.com/personal-loans/texas/allen/), [Sugar Land](https://zebrafinance.com/personal-loans/texas/sugar-land/), [Tyler](https://zebrafinance.com/personal-loans/texas/tyler/), [New Braunfels](https://zebrafinance.com/personal-loans/texas/new-braunfels/), [Edinburg](https://zebrafinance.com/personal-loans/texas/edinburg/), [Wichita Falls](https://zebrafinance.com/personal-loans/texas/wichita-falls/), [Conroe](https://zebrafinance.com/personal-loans/texas/conroe/), [San Angelo](https://zebrafinance.com/personal-loans/texas/san-angelo/), [Atascocita](https://zebrafinance.com/personal-loans/texas/atascocita/), [Temple](https://zebrafinance.com/personal-loans/texas/temple/), [Bryan](https://zebrafinance.com/personal-loans/texas/bryan/), [Mission](https://zebrafinance.com/personal-loans/texas/mission/), [Georgetown](https://zebrafinance.com/personal-loans/texas/georgetown/), [Baytown](https://zebrafinance.com/personal-loans/texas/baytown/), [Longview](https://zebrafinance.com/personal-loans/texas/longview/), [Pharr](https://zebrafinance.com/personal-loans/texas/pharr/), [Flower Mound](https://zebrafinance.com/personal-loans/texas/flower-mound/), [Cedar Park](https://zebrafinance.com/personal-loans/texas/cedar-park/), [Mansfield](https://zebrafinance.com/personal-loans/texas/mansfield/), [Missouri City](https://zebrafinance.com/personal-loans/texas/missouri-city/), [Leander](https://zebrafinance.com/personal-loans/texas/leander/), [Harlingen](https://zebrafinance.com/personal-loans/texas/harlingen/), [San Marcos](https://zebrafinance.com/personal-loans/texas/san-marcos/), [North Richland Hills](https://zebrafinance.com/personal-loans/texas/north-richland-hills/), [Spring](https://zebrafinance.com/personal-loans/texas/spring/), [Pflugerville](https://zebrafinance.com/personal-loans/texas/pflugerville/), [Victoria](https://zebrafinance.com/personal-loans/texas/victoria/), [Rowlett](https://zebrafinance.com/personal-loans/texas/rowlett/), [Euless](https://zebrafinance.com/personal-loans/texas/euless/), [Wylie](https://zebrafinance.com/personal-loans/texas/wylie/), [Kyle](https://zebrafinance.com/personal-loans/texas/kyle/), [DeSoto](https://zebrafinance.com/personal-loans/texas/desoto/), [Port Arthur](https://zebrafinance.com/personal-loans/texas/port-arthur/), [Texas City](https://zebrafinance.com/personal-loans/texas/texas-city/), [Little Elm](https://zebrafinance.com/personal-loans/texas/little-elm/), [Galveston](https://zebrafinance.com/personal-loans/texas/galveston/), [Burleson](https://zebrafinance.com/personal-loans/texas/burleson/), [Rockwall](https://zebrafinance.com/personal-loans/texas/rockwall/), [Grapevine](https://zebrafinance.com/personal-loans/texas/grapevine/), [Bedford](https://zebrafinance.com/personal-loans/texas/bedford/), [Cedar Hill](https://zebrafinance.com/personal-loans/texas/cedar-hill/), [Huntsville](https://zebrafinance.com/personal-loans/texas/huntsville/), [Sherman](https://zebrafinance.com/personal-loans/texas/sherman/), [Keller](https://zebrafinance.com/personal-loans/texas/keller/), [Haltom City](https://zebrafinance.com/personal-loans/texas/haltom-city/), [The Colony](https://zebrafinance.com/personal-loans/texas/the-colony/), [Waxahachie](https://zebrafinance.com/personal-loans/texas/waxahachie/), [Schertz](https://zebrafinance.com/personal-loans/texas/schertz/), [Channelview](https://zebrafinance.com/personal-loans/texas/channelview/), [Weslaco](https://zebrafinance.com/personal-loans/texas/weslaco/), [Coppell](https://zebrafinance.com/personal-loans/texas/coppell/), [Friendswood](https://zebrafinance.com/personal-loans/texas/friendswood/), [Lancaster](https://zebrafinance.com/personal-loans/texas/lancaster/), [Rosenberg](https://zebrafinance.com/personal-loans/texas/rosenberg/), [Hurst](https://zebrafinance.com/personal-loans/texas/hurst/), [Duncanville](https://zebrafinance.com/personal-loans/texas/duncanville/), [Midlothian](https://zebrafinance.com/personal-loans/texas/midlothian/), [Copperas Cove](https://zebrafinance.com/personal-loans/texas/copperas-cove/), [Prosper](https://zebrafinance.com/personal-loans/texas/prosper/), [Socorro](https://zebrafinance.com/personal-loans/texas/socorro/), [La Porte](https://zebrafinance.com/personal-loans/texas/la-porte/), [Farmers Branch](https://zebrafinance.com/personal-loans/texas/farmers-branch/), [Mission Bend](https://zebrafinance.com/personal-loans/texas/mission-bend/), [San Juan](https://zebrafinance.com/personal-loans/texas/san-juan/), [Texarkana](https://zebrafinance.com/personal-loans/texas/texarkana/), [Weatherford](https://zebrafinance.com/personal-loans/texas/weatherford/), [Hutto](https://zebrafinance.com/personal-loans/texas/hutto/), [Timberwood Park](https://zebrafinance.com/personal-loans/texas/timberwood-park/), [Cibolo](https://zebrafinance.com/personal-loans/texas/cibolo/), [Fulshear](https://zebrafinance.com/personal-loans/texas/fulshear/), [Del Rio](https://zebrafinance.com/personal-loans/texas/del-rio/), [Cleburne](https://zebrafinance.com/personal-loans/texas/cleburne/), [Celina](https://zebrafinance.com/personal-loans/texas/celina/), [Lufkin](https://zebrafinance.com/personal-loans/texas/lufkin/), [Harker Heights](https://zebrafinance.com/personal-loans/texas/harker-heights/), [Deer Park](https://zebrafinance.com/personal-loans/texas/deer-park/), [Canyon Lake](https://zebrafinance.com/personal-loans/texas/canyon-lake/), [Seguin](https://zebrafinance.com/personal-loans/texas/seguin/), [West Odessa](https://zebrafinance.com/personal-loans/texas/west-odessa/), [Nacogdoches](https://zebrafinance.com/personal-loans/texas/nacogdoches/), [Forney](https://zebrafinance.com/personal-loans/texas/forney/), [Greenville](https://zebrafinance.com/personal-loans/texas/greenville/), [Southlake](https://zebrafinance.com/personal-loans/texas/southlake/), [Sachse](https://zebrafinance.com/personal-loans/texas/sachse/), [Converse](https://zebrafinance.com/personal-loans/texas/converse/), [Eagle Pass](https://zebrafinance.com/personal-loans/texas/eagle-pass/), [Alvin](https://zebrafinance.com/personal-loans/texas/alvin/), [Lake Jackson](https://zebrafinance.com/personal-loans/texas/lake-jackson/), [Balch Springs](https://zebrafinance.com/personal-loans/texas/balch-springs/), [Fort Hood](https://zebrafinance.com/personal-loans/texas/fort-hood/), [Colleyville](https://zebrafinance.com/personal-loans/texas/colleyville/), [Denison](https://zebrafinance.com/personal-loans/texas/denison/), [Corsicana](https://zebrafinance.com/personal-loans/texas/corsicana/), [Princeton](https://zebrafinance.com/personal-loans/texas/princeton/), [Katy](https://zebrafinance.com/personal-loans/texas/katy/), [University Park](https://zebrafinance.com/personal-loans/texas/university-park/), [Kingsville](https://zebrafinance.com/personal-loans/texas/kingsville/), [Sienna](https://zebrafinance.com/personal-loans/texas/sienna/), [Saginaw](https://zebrafinance.com/personal-loans/texas/saginaw/), [Paris](https://zebrafinance.com/personal-loans/texas/paris/), [Kerrville](https://zebrafinance.com/personal-loans/texas/kerrville/), [San Benito](https://zebrafinance.com/personal-loans/texas/san-benito/), [Fresno](https://zebrafinance.com/personal-loans/texas/fresno/), [Benbrook](https://zebrafinance.com/personal-loans/texas/benbrook/), [Belton](https://zebrafinance.com/personal-loans/texas/belton/), [Anna](https://zebrafinance.com/personal-loans/texas/anna/), [Pecan Grove](https://zebrafinance.com/personal-loans/texas/pecan-grove/), [Cloverleaf](https://zebrafinance.com/personal-loans/texas/cloverleaf/), [Big Spring](https://zebrafinance.com/personal-loans/texas/big-spring/), [Marshall](https://zebrafinance.com/personal-loans/texas/marshall/), [Horizon City](https://zebrafinance.com/personal-loans/texas/horizon-city/), [Corinth](https://zebrafinance.com/personal-loans/texas/corinth/), [Watauga](https://zebrafinance.com/personal-loans/texas/watauga/), [Fate](https://zebrafinance.com/personal-loans/texas/fate/), [Ennis](https://zebrafinance.com/personal-loans/texas/ennis/), [Dickinson](https://zebrafinance.com/personal-loans/texas/dickinson/), [Stephenville](https://zebrafinance.com/personal-loans/texas/stephenville/), [Murphy](https://zebrafinance.com/personal-loans/texas/murphy/), [Portland](https://zebrafinance.com/personal-loans/texas/portland/), [Boerne](https://zebrafinance.com/personal-loans/texas/boerne/), [Terrell](https://zebrafinance.com/personal-loans/texas/terrell/), [Alamo](https://zebrafinance.com/personal-loans/texas/alamo/), [Alton](https://zebrafinance.com/personal-loans/texas/alton/), [Universal City](https://zebrafinance.com/personal-loans/texas/universal-city/), [Melissa](https://zebrafinance.com/personal-loans/texas/melissa/), [Royse City](https://zebrafinance.com/personal-loans/texas/royse-city/), [Angleton](https://zebrafinance.com/personal-loans/texas/angleton/), [Plainview](https://zebrafinance.com/personal-loans/texas/plainview/), [Brushy Creek](https://zebrafinance.com/personal-loans/texas/brushy-creek/), [Crowley](https://zebrafinance.com/personal-loans/texas/crowley/), [Seagoville](https://zebrafinance.com/personal-loans/texas/seagoville/), [Lakeway](https://zebrafinance.com/personal-loans/texas/lakeway/), [La Marque](https://zebrafinance.com/personal-loans/texas/la-marque/), [Orange](https://zebrafinance.com/personal-loans/texas/orange/), [Palestine](https://zebrafinance.com/personal-loans/texas/palestine/), [Brownwood](https://zebrafinance.com/personal-loans/texas/brownwood/), [Brenham](https://zebrafinance.com/personal-loans/texas/brenham/), [Steiner Ranch](https://zebrafinance.com/personal-loans/texas/steiner-ranch/), [Cinco Ranch](https://zebrafinance.com/personal-loans/texas/cinco-ranch/), [Manor](https://zebrafinance.com/personal-loans/texas/manor/), [Nederland](https://zebrafinance.com/personal-loans/texas/nederland/), [White Settlement](https://zebrafinance.com/personal-loans/texas/white-settlement/), [Glenn Heights](https://zebrafinance.com/personal-loans/texas/glenn-heights/), [Gainesville](https://zebrafinance.com/personal-loans/texas/gainesville/), [Bay City](https://zebrafinance.com/personal-loans/texas/bay-city/), [Alice](https://zebrafinance.com/personal-loans/texas/alice/), [Stafford](https://zebrafinance.com/personal-loans/texas/stafford/), [Addison](https://zebrafinance.com/personal-loans/texas/addison/), [Bellaire](https://zebrafinance.com/personal-loans/texas/bellaire/), [Aldine](https://zebrafinance.com/personal-loans/texas/aldine/), [Taylor](https://zebrafinance.com/personal-loans/texas/taylor/), [Red Oak](https://zebrafinance.com/personal-loans/texas/red-oak/), [Groves](https://zebrafinance.com/personal-loans/texas/groves/), [Donna](https://zebrafinance.com/personal-loans/texas/donna/), [Mercedes](https://zebrafinance.com/personal-loans/texas/mercedes/), [Pampa](https://zebrafinance.com/personal-loans/texas/pampa/), [Humble](https://zebrafinance.com/personal-loans/texas/humble/), [Hewitt](https://zebrafinance.com/personal-loans/texas/hewitt/), [Sulphur Springs](https://zebrafinance.com/personal-loans/texas/sulphur-springs/), [Gatesville](https://zebrafinance.com/personal-loans/texas/gatesville/), [Mount Pleasant](https://zebrafinance.com/personal-loans/texas/mount-pleasant/), [Highland Village](https://zebrafinance.com/personal-loans/texas/highland-village/), [South Houston](https://zebrafinance.com/personal-loans/texas/south-houston/), [Live Oak](https://zebrafinance.com/personal-loans/texas/live-oak/), [Palmview](https://zebrafinance.com/personal-loans/texas/palmview/), [Buda](https://zebrafinance.com/personal-loans/texas/buda/), [Canyon](https://zebrafinance.com/personal-loans/texas/canyon/), [Uvalde](https://zebrafinance.com/personal-loans/texas/uvalde/), [Rio Grande City](https://zebrafinance.com/personal-loans/texas/rio-grande-city/), [Lockhart](https://zebrafinance.com/personal-loans/texas/lockhart/), [Mineral Wells](https://zebrafinance.com/personal-loans/texas/mineral-wells/), [West University Place](https://zebrafinance.com/personal-loans/texas/west-university-place/), [Hereford](https://zebrafinance.com/personal-loans/texas/hereford/), [Manvel](https://zebrafinance.com/personal-loans/texas/manvel/), [Rendon](https://zebrafinance.com/personal-loans/texas/rendon/), [Hidalgo](https://zebrafinance.com/personal-loans/texas/hidalgo/), [Dumas](https://zebrafinance.com/personal-loans/texas/dumas/), [Jacksonville](https://zebrafinance.com/personal-loans/texas/jacksonville/), [Azle](https://zebrafinance.com/personal-loans/texas/azle/), [Forest Hill](https://zebrafinance.com/personal-loans/texas/forest-hill/), [Lumberton](https://zebrafinance.com/personal-loans/texas/lumberton/), [Seabrook](https://zebrafinance.com/personal-loans/texas/seabrook/), [Trophy Club](https://zebrafinance.com/personal-loans/texas/trophy-club/), [Port Neches](https://zebrafinance.com/personal-loans/texas/port-neches/), [Tomball](https://zebrafinance.com/personal-loans/texas/tomball/), [Wells Branch](https://zebrafinance.com/personal-loans/texas/wells-branch/), [Kilgore](https://zebrafinance.com/personal-loans/texas/kilgore/), [Andrews](https://zebrafinance.com/personal-loans/texas/andrews/), [Beeville](https://zebrafinance.com/personal-loans/texas/beeville/), [Henderson](https://zebrafinance.com/personal-loans/texas/henderson/), [Athens](https://zebrafinance.com/personal-loans/texas/athens/), [Santa Fe](https://zebrafinance.com/personal-loans/texas/santa-fe/), [Iowa Colony](https://zebrafinance.com/personal-loans/texas/iowa-colony/), [Robinson](https://zebrafinance.com/personal-loans/texas/robinson/), [Lantana](https://zebrafinance.com/personal-loans/texas/lantana/), [Richmond](https://zebrafinance.com/personal-loans/texas/richmond/), [Levelland](https://zebrafinance.com/personal-loans/texas/levelland/), [Hornsby Bend](https://zebrafinance.com/personal-loans/texas/hornsby-bend/), [Webster](https://zebrafinance.com/personal-loans/texas/webster/), [Borger](https://zebrafinance.com/personal-loans/texas/borger/), [El Campo](https://zebrafinance.com/personal-loans/texas/el-campo/), [Granbury](https://zebrafinance.com/personal-loans/texas/granbury/), [Four Corners](https://zebrafinance.com/personal-loans/texas/four-corners/), [Elgin](https://zebrafinance.com/personal-loans/texas/elgin/), [Roma](https://zebrafinance.com/personal-loans/texas/roma/), [Selma](https://zebrafinance.com/personal-loans/texas/selma/), [Fort Bliss](https://zebrafinance.com/personal-loans/texas/fort-bliss/), [Leon Valley](https://zebrafinance.com/personal-loans/texas/leon-valley/), [Fredericksburg](https://zebrafinance.com/personal-loans/texas/fredericksburg/), [Port Lavaca](https://zebrafinance.com/personal-loans/texas/port-lavaca/), [La Homa](https://zebrafinance.com/personal-loans/texas/la-homa/), [Snyder](https://zebrafinance.com/personal-loans/texas/snyder/), [Bastrop](https://zebrafinance.com/personal-loans/texas/bastrop/), [Burkburnett](https://zebrafinance.com/personal-loans/texas/burkburnett/), [Pleasanton](https://zebrafinance.com/personal-loans/texas/pleasanton/), [Town of Pecos](https://zebrafinance.com/personal-loans/texas/town-of-pecos/), [Fairview](https://zebrafinance.com/personal-loans/texas/fairview/), [Heath](https://zebrafinance.com/personal-loans/texas/heath/), [Fair Oaks Ranch](https://zebrafinance.com/personal-loans/texas/fair-oaks-ranch/), [Clute](https://zebrafinance.com/personal-loans/texas/clute/), [Bonham](https://zebrafinance.com/personal-loans/texas/bonham/), [Rockport](https://zebrafinance.com/personal-loans/texas/rockport/), [Freeport](https://zebrafinance.com/personal-loans/texas/freeport/), [Heartland](https://zebrafinance.com/personal-loans/texas/heartland/), [Scenic Oaks](https://zebrafinance.com/personal-loans/texas/scenic-oaks/), [Bellmead](https://zebrafinance.com/personal-loans/texas/bellmead/), [Sonterra](https://zebrafinance.com/personal-loans/texas/sonterra/), [Galena Park](https://zebrafinance.com/personal-loans/texas/galena-park/), [Sweetwater](https://zebrafinance.com/personal-loans/texas/sweetwater/), [Roanoke](https://zebrafinance.com/personal-loans/texas/roanoke/), [Robstown](https://zebrafinance.com/personal-loans/texas/robstown/), [Raymondville](https://zebrafinance.com/personal-loans/texas/raymondville/), [San Elizario](https://zebrafinance.com/personal-loans/texas/san-elizario/)

## Frequently asked questions

**Are payday loans legal in Texas?**
Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party lender. The CAB is the OCCC licensee, and its fee is not capped by state law.

**How much do payday loans cost in Texas?**
No state cap on the credit access business fee. The law lets a CAB charge fees 'as agreed to between the parties', calculated daily, biweekly, monthly or on another period, as long as the fee is disclosed. Interest charged by the third-party lender is separate.

**Can you roll over a payday loan in Texas?**
State law does not ban refinancing. A CAB must post a notice that refinancing instead of paying in full 'will require the payment of additional charges,' and must give you a disclosure showing the fees that build up if the loan is renewed or refinanced for two weeks, one month, two months and three months.

**Are title loans legal in Texas?**
Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a third-party lender, and the CAB fee is not capped by state law.

**What interest can title lenders charge in Texas?**
No state cap on the CAB's fee; fees are as agreed and must be disclosed.

**Is there a cap on personal loan interest rates in Texas?**
Tiered caps for licensed Chapter 342 lenders: up to 30% a year on the first $4,600, 24% on the part from $4,600 to $9,660, and 18% on the part up to $23,000 (amounts for loans made July 1, 2026 to June 30, 2027). Small loans up to $1,840 may instead use an acquisition charge plus a monthly handling charge, which produces much higher APRs.

**Do personal loan lenders need a license in Texas?**
A Chapter 342 license is required to make, transact or negotiate loans that charge more than other law allows.