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Lending Laws of Texas

Surprisingly, even with numerous laws, Texas is still the most expensive state for cash advances. According to Pew Charitable Trusts, a $300 cash advance would cost nearly $701 in Texas. That’s the highest amount you’d pay in the country for a loan of that size.

There is no maximum loan amount in Texas. So, it’s up to you and your lender to decide on a dollar amount that works for you. Your loan term can be from seven to 31 days. The maximum finance chargedepends on how much you borrow. There is actually a detailed graphic, attached to Texas Admin Code § 83.604, that’ll help you find the maximum APR for your loan. The maximum APR ranges from 170.33-percent for $350 loan with a 30-day term, to 570.18-percent for a $200 loan with a 7-day term. If you were to take out a 14-day, $100 loan, you would at most pay an $11.87 finance charge.

If you’re unable to pay your debt, you shouldn’t be surprised if your lender threatens you with criminal charges. Lenders use “theft by check” and “bad check” laws to file criminal complaints against people who can’t pay off their cash advance loans. These complaints can lead to arrest warrants and, in some rare cases, actual jail time. (The people who were sent to jail ended up there because they didn’t pay their court fines. So, they weren’t technically imprisoned for debt, which would be a violation of the Texas State Constitution.)

Texas (TX)

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Texas Cities


AbileneAddisonAlamoAliceAliefAllenAlvinAmarilloAngletonAransas PassArlingtonAtascosaAthensAtlantaAubreyAustinAzleBay CityBaytownBeaumontBedfordBeevilleBellaireBig SpringBonhamBorgerBoydBrenhamBrookelandBrownsvilleBrownwoodBryanBudaBurlesonCantonCarrolltonCedar HillCedar ParkChannelviewChildressClarksvilleCleburneClevelandCluteCollege StationColleyvilleConroeCoppellCopperas CoveCorpus ChristiCorsicanaCrosbyCrowleyCrp ChristiCypressDallasDeer ParkDel RioDel ValleDenisonDentonDesotoDetroitDibollDickinsonDumasEagle PassEdinburgEl CampoEl PasoElginElsaEnnisEulessFerrisFort WorthFreeportFriendswoodFriscoGainesvilleGalvestonGarlandGatesvilleGeorgetownGonzalesGranburyGrand PrairieGrapevineGreenvilleGrovesGun Barrel CityHale CenterHaltom CityHarker HeightsHarlingenHendersonHerefordHidalgoHoustonHumbleHuntsvilleHurstInglesideIrvingJacksonvilleJasperKatyKellerKerrvilleKilgoreKilleenKingsvilleLa MarqueLake DallasLake JacksonLamesaLancasterLaredoLeague CityLeanderLewisvilleLittlefieldLongviewLubbockLufkinLumbertonMabankMansfieldMarble FallsMarlinMarshallMathisMc KinneyMcallenMckinneyMercedesMesquiteMidlandMidlothianMissionMissouri CityMonahansMount PleasantNacogdochesNederlandNew BostonNew BraunfelsNew CaneyNorth HoustonNorth Richland HillsOdessaOrangeOrange GrovePalestinePampaPantegoParisPasadenaPearlandPecosPflugervillePharrPlainviewPlanoPleasantonPort ArthurPortlandQuitmanRaymondvilleRed OakRichardsonRichmondRio Grande CityRobstownRockportRockwallRosenbergRound RockSachseSan AngeloSan AntonioSan BenitoSan ElizarioSan JuanSan MarcosSeabrookSeagovilleSeguinSelmaShermanSintonSnyderSouth HoustonSplendoraSpringStaffordStephenvilleSugar LandSulphur SpringsSweetwaterTalcoTaylorTempleTerrellTexarkanaTexas CityThe ColonyThe WoodlandsTomballTylerUniversal CityUvaldeVernonVictoriaVidorWacoWaxahachieWeatherfordWebsterWeslacoWest ColumbiaWhartonWichita FallsWoodvilleWoodway

About Texas

Texas is the second largest state in the United States. About 27 million people live there. In 1845, it became the 28th state in the United States.

Texas has been controlled by Spain, France, the Confederate States of America, and Mexico. It declared its independence from Mexico in 1836. It was its own country, the Republic of Texas, for 9 years (1836-1845).

The largest cities in Texas are Houston, Dallas, Fort Worth, San Antonio, El Paso, and Austin. Austin is the capital city of Texas.

There are many famous attractions in Texas. Fort Worth is known for its stockyards. Amarillo is known for the cattle business and stockyards. In Dallas, industrial technology companies including Texas Instruments and EDS have their home offices.

San Antonio has The Alamo. Houston has the Johnson Space Center. Austin has the University of Texas at Austin. Texas A&M University in College Station, Texas Tech University in Lubbock, and Baylor University in Waco are other important universities in the state.

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