Loan Cost and Terms

Texas

PayDay One is committed to providing great rates to our customers. In fact, we are the only online lender that offers a Great Rate Guarantee. We shop around so you don’t have to. But if you do find a lower price from another licensed online lender we'll match it.

Maximum Loan Amount

The maximum loan amount for Texas residents is $1500.

Repayment Option(s)

All payment changes must be made by 4:00 PM Central Time the banking day before your scheduled due date.

  • Pay your loan in full (this is what will occur if you do not make changes to your scheduled payment)
  • Refinance your loan and pay just the interest and fees – you may use this option up to four times*
  • Refinance your loan, pay the interest and fees plus 10% towards the principal – you may utilize this option until the loan balance is paid off* *Please Note: You must log on to the website to change your payment option by 4:00 PM Central Time the banking day (excluding bank holidays) before your scheduled due date.

If you are paid monthly, your loan will be due on your next payday that falls between 10 to 31 days away.

Below is the Fee Schedule for a 14 day loan. To view different terms, change the days of loan below.

Days of Loan:

Loan
Amount		 Lender
Interest		 CSO**
Fee		 Total
Interest
and Fees		 Total Due APR
$100 $0.38 $22.50 $22.88 $122.88 596.51%
$150 $0.58 $33.75 $34.33 $184.33 596.69%
$200 $0.77 $45.00 $45.77 $245.77 596.64%
$250 $0.96 $56.25 $57.21 $307.21 596.62%
$300 $1.15 $67.50 $68.65 $368.65 596.60%
$350 $1.34 $78.75 $80.09 $430.09 596.59%
$400 $1.53 $90.00 $91.53 $491.53 596.58%
$450 $1.73 $101.25 $102.98 $552.98 596.63%
$500 $1.92 $112.50 $114.42 $614.42 596.62%
$550 $2.11 $123.75 $125.86 $675.86 596.61%
$600 $2.30 $135.00 $137.30 $737.30 596.60%
$650 $2.49 $146.25 $148.74 $798.74 596.59%
$700 $2.69 $157.50 $160.19 $860.19 596.63%
$750 $2.88 $168.75 $171.63 $921.63 596.62%
$800 $3.07 $180.00 $183.07 $983.07 596.61%
$850 $3.26 $191.25 $194.51 $1,044.51 596.61%
$900 $3.45 $202.50 $205.95 $1,105.95 596.60%
$950 $3.64 $213.75 $217.39 $1,167.39 596.60%
$1,000 $3.84 $225.00 $228.84 $1,228.84 596.62%
$1,050 $4.03 $236.25 $240.28 $1,290.28 596.61%
$1,100 $4.22 $247.50 $251.72 $1,351.72 596.61%
$1,150 $4.41 $258.75 $263.16 $1,413.16 596.60%
$1,200 $4.60 $270.00 $274.60 $1,474.60 596.60%
$1,250 $4.80 $281.25 $286.05 $1,536.05 596.62%
$1,300 $4.99 $292.50 $297.49 $1,597.49 596.61%
$1,350 $5.18 $303.75 $308.93 $1,658.93 596.61%
$1,400 $5.37 $315.00 $320.37 $1,720.37 596.61%
$1,450 $5.56 $326.25 $331.81 $1,781.81 596.60%
$1,500 $5.75 $337.50 $343.25 $1,843.25 596.60%
** Credit Services Organization/Credit Access Business


Schedule of All Fees and Charges/OCCC Consumer Credit Notice

In Texas, PayDay One Express2 of Texas, LLC d/b/a PayDay One, is a registered Texas Credit Services Organization and a licensed Credit Access Business operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined by the State of Texas – Office of the Consumer Credit Commissioner. 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, TX 78705-4207 (800) 538-1579, consumer.complaints@occc.state.tx.us, http://www.occc.state.tx.us.

We are not a lender, and cannot promise that the lender will extend credit to you.

The lender makes loans at 10% per annum simple interest. We are obtaining an extension of consumer credit for you from the lender. For this service, PayDay One charges a CSO fee of $22.50 per $100 of the Amount Financed.

Get Started Now Or apply by phone
866-580-1226

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