Cash Advance Payday Loans in Texas - Why They Are They Different & What That Means To Borrowers
Getting a cash advance payday loan in Texas is relatively easy, but there are a few things you should know before you get started. Cash advance payday loans are strictly regulated in the state of Texas, which means there are set limits and loan terms that must be considered prior to borrowing.
The Maximum Loan Term is 31 Days
Cash advance payday loans can come in handy when you are in a pinch, but at some point, you will need to pay pack what you borrow. Cash advance payday loans in Texas have a maximum loan term of 31 days. It should be noted, however, that terms will vary depending on where you get your cash advance from. Loan terms of 7 to 14 days are not uncommon.
You Can Only Borrow So Much
Because cash advance payday loans fall into the small loan category, state laws typically dictate the maximum amount of money that can be borrowed. This amount varies from state to state. In Texas, the maximum amount on aggregate cash advance payday loans is $500. At this time, there is no limit to the number of loans you get, but altogether, they cannot total more than the $500 maximum.
Rates and Fees Vary
Cash advance payday loans are no different than other types of loans. Rates and fees will vary depending on where you go. There are limits though to the amount you can be charged in interest and loan fees. Lenders cannot charge more than $10 per loan and 48 percent annual interest on cash advance payday loans in Texas. There is also a limit to the finance charge that can be applied to a loan. Current Texas law stipulates a maximum of $12 on a 14-day $100 payday loan.
See Our Recommended Payday Loan Companies That Service Texas by visiting TexasLendingHub.com. We maintain a list of reputable payday loan lenders that service the TX area.
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