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Payday Loans

This legal research guide provides information about short-term and payday loans, including links to relevant statutes and information in “plain English.”

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For more information on your topic, please try searching our eBook collection or electronic databases.

Explained in "Plain English"

Because Texas and federal law may not be easy to understand, below you'll find a collection of resources that help to explain the law in "plain English."

About This Guide

This guide is designed to help you find information about payday and other short-term loans.  Some of these transactions are regulated by the Office of Consumer Credit Commissioner.

Texas Laws and Regulations

Below you will find references to the Texas laws that govern payday loans. If you find these statutes difficult to understand, you may want to look at the "plain English" resources on this page or speak to an attorney.

Local Regulations

Several cities in Texas have passed ordinances related to the payday lending industry. Below are resources related to local regulation; however, this list may not be comprehensive. For assistance with searching your city's ordinances, please visit Municipal Laws and Ordinances.

Studies on Payday and Auto Title Loans

As a hot consumer topic, payday loans are being researched by a variety of groups. Some of those studies are linked here. They provide interesting insight and statistical analysis.

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Legal Research Guides from the Texas State Law Library

The Texas State Law Library reference librarians have compiled legal research guides for specific areas of the law. These guides contain resources that can help you research a legal issue. The American Association of Law Libraries has a guide for Non-Lawyers on How to Research a Legal Problem [PDF]. If you have any questions, please contact us at (512) 463-1722 or at


The information provided on this page has been prepared for general information purposes only and should not be construed as, nor substituted for, legal advice. It is strongly recommended that you contact an attorney for advice specific to your fact situation. Your local bar association or the State Bar of Texas Lawyer Referral Information Service (1-800-252-9690) can assist you with locating an attorney.

Some of the electronic resources we refer to in this guide may be in PDF format. Adobe Reader or similar software is required to view PDFs.