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Texas

Payday Loan

A payday loan is small dollar loan usually between $100-$1,000 (depending on income and state laws) that is designed to help you pay for immediate expenses until your next payday. The loan balance is usually repaid on your next payday.

Credit Access Business Services

Cash Factory USA is licensed as a Credit Access Business (CAB) in the State of Texas. As a Credit Access Business, Cash Factory USA will not be your lender, instead Cash Factory USA will:

  • Arrange for you to receive a loan from an unaffiliated third-party lender
  • Assist you in preparing and completing the documents required by the lender in order to receive your loan
  • Process your loan proceeds and accept your payments on behalf of our lender
  • Guarantee your payment obligations to your lender

Terms for Texas Residents

  • Your maximum loan amount may not exceed $1,000.
  • Your loan term cannot exceed 45 days.
  • If you qualify, we may allow you to refinance your loan provided you pay any outstanding interest and CAB fee on or before your due date.

Payday Loan Fee Schedule and APR

Please click here to see a schedule of all fees to be charged for services performed by the credit access business in connection with deferred presentment transactions

Terms for Installment Loans

An installment loan is multi-payment loan usually between $100-$1,000 (depending on income and state laws) that is designed to help you pay for immediate expenses and repay the balance over the next several months. Requirements for TX installment loans are:

  • Your maximum loan amount may not exceed $1,000
  • Your loan term will be between 120-180 days
  • Your loan payments will be scheduled to occur on your paydays

Installment Loan Fee Schedule and APR

Please click here to see a schedule of all fees to be charged for services performed by the credit access business in connection with deferred presentment transactions

Licenses

This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov

Texas Credit Access Business License

Texas Credit Service Organization License

Texas Credit Access Business Disclosures

State of Texas Credit Access Business Disclosure - Payday

State of Texas Credit Access Business Disclosure - Installment

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