Payday loans in Texas
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Texas payday loan rules at a glance
| Governing law | Texas Finance Code Chapter 393, Subchapter G (credit access businesses). A credit services organization must hold an OCCC license for each location where it helps consumers get a payday loan (deferred presentment transaction) or auto title loan. (Tex. Fin. Code §§ 393.601-393.603) |
|---|---|
| Fees / interest 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)) |
| Rollovers / renewals | 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)) |
| Returned-payment fee | A holder of a bounced check or failed electronic payment may charge a processing fee of up to $30. (Tex. Bus. & Com. Code § 3.506(b)) |
| Criminal charges for bounced check | Your CAB contract must state that no one may threaten or pursue criminal charges against you over a check or debit authorization you gave as security, unless there was forgery, fraud, theft or other criminal conduct. (Tex. Fin. Code § 393.201(c)(3)) |
How much will I repay?
Texas does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Credit services / credit access businesses
Yes. Payday and auto title loans are arranged by credit access businesses, which need an OCCC license for each location and must file quarterly and annual reports. (Tex. Fin. Code §§ 393.601-393.603, 393.627)
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| Arkansas | Not available | — |
| Louisiana | Legal | For September 1, 2026 to August 31, 2027, the most a lender may pay you on a payday loan (deferred presentment) is… |
| New Mexico | Not available | — |
| Oklahoma | Not available | Small loans are capped by the total you may owe across all small lenders. |
Payday Loans by city in Texas
Counties in Texas
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Also see: Personal Loans in Texas · Title Loans in Texas · All Texas loan options
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.
Can a payday lender press criminal charges in Texas?
Your CAB contract must state that no one may threaten or pursue criminal charges against you over a check or debit authorization you gave as security, unless there was forgery, fraud, theft or other criminal conduct.
Can I get a payday loan online in Texas?
Yes. You can request a payday loan online from anywhere in Texas, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Texas residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.
How much does a payday loan cost in Texas?
No state cap on the credit access business fee. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Texas borrowers in about 3 minutes.
Do payday loans in Texas affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Texas residents can see their options with our 3-minute form.
What do I need to get a payday loan in Texas?
Most lenders ask for a few basics: you must be a legal adult, with a valid government-issued ID, a steady source of income, an active checking account in your name, and a phone number and email. Some lenders also ask for recent pay stubs or bank statements. Having these ready makes our 3-minute form quick, and many Texas applicants get a decision in minutes.