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Payday loan laws in Texas

For Lenders

Lending specifications:

  • Maximum loan amount: Not specified
  • Loan tenure: 7-31 days
  • Fees and finance charges: May not exceed rates authorized in Tex. Fin. Code §§ 342.251-342.259. 7 Tex. Admin Code § 83.604; maximum APRs for payday loans range from 83.43% for a 30-day $350 loan to 569.92% for a 7-day $100 loan.
  • Finance charge on a 14-day $100 loan: $11.87
  • APR on 14-day $100 loan: 309.47%

Collection restrictions:

  • Collection fees: Not specified
  • Criminal procedures: Not specified
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: Not Specified ($500 overall outstanding to all licensees)
  • Rollovers allowed: None

Complaint cell:

  • Regulator: Texas Office of Consumer Credit Commissioner
  • Address: 2601 N. Lamar Blvd., Austin, Texas 78705
  • Phone: (512) 936 7600
  • Toll-free: 800 538 1579
  • Website: http://www.occc.state.tx.us/
  • File complaint: http://www.occc.state.tx.us/
    pages/consumer/assistance/resolution.htm

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