Texas OCCC Notice and Fee Schedule - Store Locations
The loan agreement is governed by the applicable laws of the
state of Texas.
Texas OCCC Notice
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title 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.
Consumer Credit Notice: This business is licensed and examined by the State of Texas - Office of 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, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.state.tx.us, www.occc.state.tx.us
Payday Loans/Single Payment Fee Schedule - Store Locations
Payday Loans/Multiple Payments Fee Schedule - Store Locations
Title Loans/Single Payment Fee Schedule - Store Locations
Title Loans/Multiple Payments Fee Schedule - Store Locations
Credit Access Business
Speedy Cash will not be the lender for loans received at this site. Speedy Cash is a Credit Access Business. We will attempt to arrange a loan between you and a third party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by Speedy Cash and not the lender.
Auto Title Open-End Loan
Standard Term - 180 Days*
Amount
Financed |
Finance Charge
C.A.B. Fee
& Interest |
Annual
Percentage
Rate* |
Additional
Charges |
The amount of
credit provided to
you on your behalf |
The dollar amount the credit
will cost you |
The cost of
your credit as a
yearly rate |
Additional Fees
Associated with
your loan |
|
$250.00 |
$382.17 |
10% / 310%* |
$33.00 Lien Fee
(To Be Paid
With First
Statement Payment) |
|
$850.00 |
$746.11 |
10% / 178%* |
|
$2,550.00 |
$1,936.58 |
10% / 154%* |
|
$3,250.00 |
$2,259.85 |
10% / 141%* |
There are no origination or other fees charged at the inception of the loan.NSF Fee of $30 will be charged for each payment returned to us by your financial institution. *Loan term varies based on Payday. Maximum term is 180 days. If CAB Fee is combined with interest APR would be the larger number shown.However, under Regulation Z, the fee is omitted in the calculation of APR.
|
Deferred Presentment Open-End Loan
Standard Term - 180 Days*
Amount
Financed |
Finance Charge
C.A.B. Fee
& Interest |
Annual
Percentage
Rate* |
Additional
Charges |
The amount of
credit provided to
you on your behalf |
The dollar amount the credit
will cost you |
The cost of
your credit as a
yearly rate |
Additional Fees
Associated with
your loan |
| $250.00 |
$604.09 |
10% / 490%* |
None |
| $850.00 |
$1,550.91 |
10% / 370%* |
| $1,550.00 |
$1,987.37 |
10% / 260%* |
There are no origination or other fees charged at the inception of the loan. NSF Fee of $12.50 will be charged for each payment returned to us by your financial institution *Loan term varies based on Payday. Maximum term is 180 days. If CAB Fee is combined with interest APR would be the larger number shown. However, under Regulation Z, the fee is omitted in the calculation of APR.
This business is licensed and examined by the State of Texas - Office of 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, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.state.tx.us,
www.occc.state.tx.us.
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title 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. |
Deferred Presentment Loan
Standard Term - 14 Days*
Amount
Financed |
Finance Charge
C.A.B. Fee
& Interest |
Annual
Percentage
Rate* |
Additional
Charges |
The amount of
credit provided to
you on your behalf |
The dollar amount the credit
will cost you |
The cost of
your credit as a
yearly rate |
Additional Fees
Associated with
your loan |
| $100.00 |
$20.38 |
531.34%* |
None |
| $500.00 |
$101.91 |
531.39%* |
| $1,000.00 |
$203.82 |
531.41%* |
There are no origination or other fees charged at the inception of the loan. NSF Fee of $30 will be charged for each payment returned to us by your financial institution *Representative
of a 14 day loan term based on Payday. |
Auto Title Loan
Standard Term - 30 Days
Amount
Financed |
Finance Charge
C.A.B. Fee
& Interest |
Annual
Percentage
Rate* |
Additional
Charges |
The amount of
credit provided to
you on your behalf |
The dollar amount the credit
will cost you |
The cost of
your credit as a
yearly rate |
Additional Fees
Associated with
your loan |
| $500.00 |
$129.10 |
314.14% |
$33.00 Lien Fee |
| $1,000.00 |
$258.21 |
314.16% |
| $1,500.00 |
$387.32 |
314.16% |
There are no origination or other fees charged at the inception of the loan. A NSF Fee of 5% of outstanding balance may be charged after 10 days of default.
This business is licensed and examined by the State of Texas - Office of 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, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.state.tx.us, www.occc.state.tx.us.
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title 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. |