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Payday Loans

This legal research guide provides information about payday loans and other short-term loans in Texas.

General Information

Payday Loans

A payday loan (also called a cash-advance loan, a check-advance loan, a post-dated check loan, or a deferred deposit loan) is a short-term, high-interest loan from a check cashing business or a finance company. These loans are often cash advances secured by personal checks or electronic transfers, and often have a very high annual percentage rate (APR). 

Texas Law

Local Regulations

Understanding the Law