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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 very high annual percentage rates (APR). 

Texas Law

Local Regulations

Understanding the Law