Payday Loans in Texas

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Texas allows payday loans up to $1,800 with no APR cap.

50 Cities Covered

Max Loan: ,800

Legal

30,029,572

Population

50

Cities Covered

,800

Max Loan Amount

Fast

Same-Day Funding

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Texas Payday Loan Regulations

Max Loan Amount:$1,800

Max Term:30 days

Typical APR:No limit (typically 400-600%)

Finance Charge:20% of principal per month

Regulatory Body:Office of Consumer Credit Commissioner (OCCC)

Payday loans in Texas are legal and regulated. Lenders must be licensed by the OCCC. Borrowers are limited to refinancing a loan no more than 3 times.

Important: This information is current as of January 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

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