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What Texas law allows
| Product | Status | APR cap | Amount | Term | License | Law |
|---|---|---|---|---|---|---|
| Title loans[1][2] | Allowed | No numeric cap | Not set by statute | Not set by statute | Credit Access Business | Tex. Fin. Code Chapter 393, Subchapter G, Section 393.601 |
| Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow. | ||||||
Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.
The rules in full
Title loans
- Rate cap
- Same Credit Access Business (CAB) framework as payday loans: a CAB arranges a 'motor vehicle title loan' (a loan secured by an unencumbered motor vehicle title, excluding retail installment sales financing under Chapter 348) made by a third-party lender, and the CAB's own fee is not subject to a statutory interest cap the way a direct lender's would be.
- Fees
- No statutory fee cap found on CAB title-loan fees; same Finance Commission disclosure and next-business-day cancellation rules as payday loans apply.
- License
- Credit Access Business (CAB) license/registration under Tex. Fin. Code Chapter 393, Subchapter G, OCCC.
Full detail for every loan type: Texas lending laws.
Help in Texas
Money snapshot for Texas
Other options in Texas
Worth checking whatever your credit: these can cost less than a high-rate loan.
- Emergency loans in Texas: allowed under Texas law; see its limits and license rules.
- Installment loans in Texas: allowed under Texas law; see its limits and license rules.
- Payday loans in Texas: allowed under Texas law; see its limits and license rules.
- Personal loans in Texas: allowed under Texas law; see its limits and license rules.
- Credit union payday alternative loans (PALs). Federal credit unions may offer small loans of up to $2,000 with terms of up to 12 months and an APR no higher than 28%, under NCUA rules (12 CFR 701.21). You usually need to be a member.
- Nonprofit credit counseling. A counselor accredited by the National Foundation for Credit Counseling can help you build a budget or a debt management plan.
- Ask your creditor for a payment plan. Utilities, hospitals and many lenders offer hardship or extended payment plans if you ask before you miss a payment.
- Local assistance. Call 211, or visit 211.org, for emergency help with rent, utilities and food in Texas.
Title loans in nearby states
- OklahomaAllowed Tiered cap
- New MexicoNot allowed Not allowed
- LouisianaAllowed Tiered cap
- ArkansasNot allowed Not allowed
- KansasAllowed No numeric cap
Sources
- Justia. Tex. Fin. Code Chapter 393, Subchapter G. Retrieved September 23, 2026.
- occc.texas.gov. Texas Office of Consumer Credit Commissioner (OCCC). Retrieved September 23, 2026.
- National Low Income Housing Coalition. Out of Reach 2026: Texas. Retrieved September 23, 2026.
- U.S. Census Bureau, Population Division. Vintage 2024 National and State Population Estimates. Retrieved September 23, 2026.
- U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.
Important disclosures
APRs vary by lender and state in Texas. Each lender sets its own rates and terms and must show you the APR before you sign.
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- Questions about a lender licensed in Texas? Contact the Texas Office of Consumer Credit Commissioner (OCCC) or file a state complaint.
- You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.