State

Loan places in Texas

10 cities, 1,667 real storefronts, one map. Bubble size = storefront count.

The rules in Texas

What Texas law says about the loans on this site, checked against the statute on 23 September 2026. Check a store's licence with the OCCC licence search, or call the OCCC consumer helpline on 800-538-1579.

Payday and title loans: no state cap on the fee

At a Texas storefront, a payday or car title loan is usually arranged by a credit access business. It must hold an OCCC licence for each location. Tex. Fin. Code §393.601, §393.603
The lender charges interest, and the credit access business charges its own fee on top. The law lets the business set that fee “as agreed to between the parties” — Texas sets no cap on it. Tex. Fin. Code §393.602(b)
The store must post every fee it charges, in the store and on its website, next to the OCCC's name and helpline. Tex. Fin. Code §393.222
Before the loan, you must get a disclosure comparing its cost with other kinds of credit and showing what renewing it for two weeks, one month, two months and three months would add in fees. Tex. Fin. Code §393.223(a)
Your contract must say there is no penalty for paying early, name the lender, and list the interest and the business's fees separately. Nobody may threaten criminal charges over a check you gave as security unless there was fraud or another crime. Tex. Fin. Code §393.201(c)
For a title loan, the store must warn you in writing that if you default you may have to hand over the car. Tex. Fin. Code §393.223(b)
Loans to active-duty service members and their dependents must follow the federal Military Lending Act. Tex. Fin. Code §393.625

Pawn loans: capped charges, and 30 days' grace

Texas caps the monthly pawn charge: 20% of the amount on the smallest loans, stepping down to 15%, then 2.5%, then 1% a month as the amount grows. The dollar brackets are adjusted each year. Tex. Fin. Code §371.159
If you don't repay by the due date, the shop must hold your item for at least 30 more days, and you can still redeem it in that time. Tex. Fin. Code §371.169
You never have to redeem the item, and the shop can't make you personally liable for the loan — the item is all you risk. Tex. Fin. Code §371.170, §371.171

Installment loans: licensed, with maximum charges

A lender charging more than ordinary interest on these loans needs an OCCC licence, and Chapter 342 sets the maximum charges it may collect. Tex. Fin. Code §342.051, §342.201, §342.252

Many cities add their own limits

At least 45 Texas cities have adopted a “unified” payday and auto title ordinance, starting with Dallas and Austin in 2011. Stores must register with the city; a payday loan is limited to 20% of your gross monthly income; a title loan to the lesser of 3% of your gross annual income or 70% of the car's value; and a loan can have at most four installments or three renewals, each cutting the principal by 25%. Texas Appleseed, The Impact of the Unified Payday and Auto Title Loan Ordinance

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