No state rate cap, but licensing and disclosure requirements still apply to every lender.
What a Cash Advance Costs in Texas
Texas sets no statewide cap on cash advance fees or rates, one of the more permissive states in the country on pricing.
Loan Size, Term, and Renewal Rules
Every lender still has to be licensed as a Credit Access Business and provide clear written fee disclosures before you sign.
| Factor | Rule |
|---|---|
| Rate cap | None statewide |
| Licensing | Required as a Credit Access Business |
Verify current rules with the Texas Office of Consumer Credit Commissioner before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in Texas
CashAdvantage only routes applications to lenders licensed in your state, so you're never matched with a product that isn't actually legal where you live.
See what a Texas cash advance actually costs you.
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