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Texas Rates and Terms

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Texas Consumer Information

Texas Payday Loan Terms

Short-term payday loans put a cash deposit from your lender directly into your checking account. In general, the due date of your loan is tied to your next pay date. See HOW YOUR DATE IS DETERMINED below for details. When your loan is due, the lender will automatically access your checking account via an authorized electronic withdrawal or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please Contact Us.

Representative Example of Payday Loan Fees:

A 17-day payday loan of $500.00 has an APR of 611.14% and a Finance Charge of $142.32.

To view additional examples of payday loan fees, select a loan amount and loan duration from the drop-down menus below. The results will be shown below once you select a loan amount and duration, and click the `Submit` button.

There is a Credit Access Business (CAB) fee of $28 per $100 borrowed. This fee compensates us for our assistance in arranging a payday loan for you.

 
day Payday Loan of has an APR of %. Finance Charge: .

To view a specific payday loan example, select loan amount and duration. Terms will be shown here when you click the 'Submit' button.

This payday loan fee calculator is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.

Example Loans
Loan Amount Term in Days Annual Percentage Rate Total Finance Charge (Interest and CAB Fee) CAB Fee
$200 14 739.91% $56.76$56
$300 14 739.99% $85.15$84
$400 14 739.97% $113.53$112
$500 14 739.96% $141.91$140

This business is licensed and registered by the State of Texas - Office of Consumer Credit Commissioner. If you have any questions or concerns we invite you to contact us at any time by calling 1-800-460-4305. If we are unable to resolve your concern you can always call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.texas.gov

Summary of Fees and Charges:

  • CAB fee $28 per $100 borrowed.
  • Interest rate: your loan accrues interest at a rate of 10% per annum.
  • Insufficient funds fee: If any payment is returned, you may be charged $30.

Late payment fee: charged the greater of $7.50 or 5% of the payment. Please note: If you cannot make your payment on the due date, please contact us as soon as possible, but at least one banking day before your payment is due.

To find out if you are eligible for a payday loan, fill out a new customer application and you'll be on the road to quick cash. If you have questions about your eligibility for a loan, learn more about how a payday loan works, or contact us at 1-800-460-4305. Once you have been approved, sign in on the customer page and submit your request for a payday loan.

How your due date is determined:

In general, the term of these payday loans is 7-18 days, although a term of up to 35 days may be available. In general, the system will set your loan due date to coincide with your next payday, unless your next payday is less than 7 days away. If you need a different due date, please call 1-800-460-4305 for assistance. Whenever possible, we suggest making your loan due date on your next payday.

Repayment Options

Unless you’ve made other arrangements or provided a notice of termination described in your contract, on the date your loan is due, First Financial Loan Company LLC or First Star Financial, LLC will automatically withdraw the loan amount plus interest and fees from your account via your debit card. If you need an alternative method of payment, please call 1-800-460-4305.

If you do not want First Financial Loan Company LLC or First Star Financial, LLC to withdraw the total amount due, you may refinance your loan. If you refinance, you will be charged the CAB fee. We also have other options such as an extended payment plan or a courtesy move. Learn more about repayment options in our Frequently Asked Questions page, or contact our Customer Service Department at 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due.

At the lenders option refinances of your loan may be permitted. The CAB fee to refinance your loan is $28.00 per $100.00 borrowed. In addition, the refinanced loan will accrue interest at a rate of 10% annum. The CAB fee to refinance your loan will be due and payable on the original due date of the loan. We recommend paying an additional amount toward the principal balance to reduce the amount of CAB fees you will pay for refinancing your loan. We must receive your refinance request before 7:45 PM EST, one banking day before your loan is due.

ACH/EFT Authorization:

Your online agreement will be governed by the laws and regulations of the state of Texas. If your authorized ACH debit is returned for any reason you agree to the following:

  • You are authorizing us to initiate electronic debits to your account in the amounts up to or less than the amount owed until the amount owed is paid in full. Your authorization shall remain in effect until we have received written notice of its termination. We must also have had a reasonable opportunity to act on this authorization.
If you have questions or concerns regarding your Cash Central/CCF loan, please contact us by calling 1-800-460-4305 or by sending us an email at customerservice@cashcentral.com.