CASH ADVANCE MATH / TEXAS
Payday loans in Texas: rules, costs and cheaper options
Start with the rules. Then compare the full cost of an advance or a credit union loan before deciding.
Texas borrowing rules
Legal through Credit Access Businesses
- Maximum loan
- No statewide maximum
- Fee cap
- No cap on the broker fee. The underlying lender’s interest is 10% or less.
- Loan term
- Agreements of up to 180 days
- Rollovers
- No statewide limit. In cities with the unified ordinance, single-payment loans can be renewed up to 3 times.
Local rules matter. In cities such as Houston, Dallas and Austin, a payday loan may not exceed 20% of gross monthly income. Ask which city rules apply to you.
Regulator: Texas Office of Consumer Credit Commissioner (OCCC)
Cheaper options in Texas
Compare an app's standard delivery cost, then ask a federal credit union about a PAL. Check your eligibility and state availability first.
Last checked Sep 29, 2026. These state rules do not change the calculator's national example.