Texas Rates & Terms

The maximum loan amount for Texas residents is $1200.

State of Texas with cowboy hat, tumbleweed, and longhorn next to it

Payday Loans

Fees and Charges

The loan fee will be $28 per $100 borrowed; in addition to the finance fee, a 10% interest charge will be added. A fee of $30 may be charged if an ACH payment is unsuccessful.

Schedule of Fees

An example of all fees to be charged for services performed by NPATX, LLC dba NetPayAdvance.com in connection with deferred presentment transactions is provided below.

Texas OCCC Consumer Disclosure (Payday):
$200 Example→
$300 Example→
$500 Example→

Consumer Credit Hotline

This business is licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. For credit information or assistance with credit problems, contact the office of the Consumer Credit Commissioner at 1-800-538-1579.

Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207

[email protected]
www.occc.state.tx.us→

Credit Services Organization

NPATX, LLC dba NetPayAdvance.com is a state-licensed Credit Access Business in the state of Texas. We partner with direct lender(s) to facilitate safe and secure loans for our customers. NPATX, LLC dba NetPayAdvance.com will provide all services relating to the loan. Please contact us directly if you have any questions or concerns.

Texas CSO Registration Certificate→
Texas CAB License→

Governing Law for Texas

The loan agreement is governed by applicable state and federal laws and regulations.

Loans to Military Members and Their Dependents

Federal law prohibits lenders from making loans to active duty military personnel and their dependents which carry an APR above 36%.

Installment Loans

Fees and Charges

An annual interest rate of 10% on outstanding principal balances will be charged, as well as a CAB fee that is calculated based on the initial principal of the loan. A late fee of $7.50 may be assessed if the payment arrives more than 10 days late. A fee of $30 may be charged if an ACH payment is unsuccessful.

Schedule of Fees

An example of all fees to be charged for services performed by NPATX, LLC dba NetPayAdvance.com in connection with deferred presentment transactions is provided below.

Texas OCCC Consumer Disclosure (Installment):
$300 Example→
$400 Example→
$500 Example→

Consumer Credit Hotline

This business is licensed and examined by the State of Texas – Office of Consumer Credit Commissioner. For credit information or assistance with credit problems, contact the office of the Consumer Credit Commissioner at 1-800-538-1579.

Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207

[email protected]
www.occc.state.tx.us→

Credit Services Organization

NPATX, LLC dba NetPayAdvance.com is a state-licensed Credit Access Business in the state of Texas. We partner with direct lender(s) to facilitate safe and secure loans for our customers. NPATX, LLC dba NetPayAdvance.com will provide all services relating to the loan. Please contact us directly if you have any questions or concerns.

Texas CSO Registration Certificate→
Texas CAB License→

Governing Law for Texas

The loan agreement is governed by applicable state and federal laws and regulations.

Loans to Military Members and Their Dependents

Federal law prohibits lenders from making loans to active duty military personnel and their dependents which carry an APR above 36%.

An advance of money obtained through a payday loan is not intended to meet long-term financial needs. A payday loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.