Texas community resource
Payday Loans Legal Information Guide
Texas State Law Library
Public guide to Texas payday and auto-title loan law, finance charges, credit access businesses, consumer rights, and research resources.
Information last checked:
How to get help
Review the contract, payment record, notices, and current guide resources; identify the lender or credit access business and regulator; and follow the applicable dispute, complaint, payment, or court instructions. Confirm deadlines and seek legal or financial counseling before signing a new agreement.
Who this service helps
Open to the public for research; rights, costs, limits, and remedies depend on the transaction, lender or broker, contract, payment history, local rules, and applicable law.
Where this service is available
Service area: People researching payday and auto-title lending law in Texas, including borrowers and transactions in Central Texas.
A service area describes where help is offered or who may be served. It is not necessarily the organization’s physical location.
Cost / fees
The online guide is free to use; a loan may involve substantial interest and fees, and records, mailing, court, or legal-service costs may apply.
About this service
The guide gathers legal information about short-term lending structures, interest and fees, disclosures, repayment and collection issues, regulatory resources, and options for complaints or legal help.
Other resources that may help
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