Lending Disclosure: We are not a direct lender, loan broker, or agent for any lender. This website is a free, no-obligation matching service that connects potential borrowers with participating third-party lenders. We do not make credit decisions, fund loans, or set rates and terms.
APR Disclosure: APRs for payday loans in Texas can be very high, often exceeding 400%. The operator of this website does not charge any fees for its services and cannot provide exact APRs or loan terms. Your lender will provide you with all rate and fee information prior to signing your loan agreement.
Credit Check Notice: Participating lenders may verify your social security number, driver's license number, or perform a credit check through alternative providers or major credit bureaus (Equifax, Experian, TransUnion) to determine your eligibility. Submitting a request does not guarantee you will be connected with a lender or approved for a loan.
State Information: Texas law requires Credit Access Businesses and lenders to be licensed by the Texas Office of Consumer Credit Commissioner (OCCC). Fort Worth city ordinance #21596-12-2014 restricts payday loan amounts to 20% of the borrower's gross monthly income and limits rollovers.
State Regulations: In Texas, payday lending is primarily conducted through Credit Access Businesses (CABs) under the Credit Services Organization (CSO) Act. While the state does not cap interest rates or loan sizes, the City of Fort Worth imposes strict local regulations. Payday loans cannot exceed 20% of a borrower's gross monthly income. Furthermore, loans are limited to a maximum of four installments or three renewals, and each renewal must reduce the principal balance by at least 25%.