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Texas

Credit Access Business

Checkcity.com is licensed as a Credit Access Business and will service the loan through an affiliated short-term loan provider.

Rates and Terms for Texas

Loan Amounts: The maximum loan amount for Texas Residents is $1000.00.

Based on your income and other factors, loan limits will be determined on an individual basis.

Loan Balances: Loan balances, excluding fees, cannot exceed $1000.00.
Term of Loan: Minimum 8 Days – Maximum 45 Days
Extensions: If you do not want to repay your loan on the due date you may extend your loan until your next payday. If you qualify, we may renew your payday loan up to five (5) times.

We encourage taking advantage of the option to make a partial payment on the loan balance when requesting an extension.

You may request these changes by logging into your online account and or by calling a customer service representative. Renewal requests must be received by 7:00 p.m. Mountain Time on the business day before your loan is due.

Permitted Fees: Lender charges interest at 10.00% Annual Percentage Rate (APR) in addition,
The Credit Access Business (CAB) charges a service fee equal to 25% of the principal loan amount.

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). Please see your loan agreement for the APR and other terms applicable to your loan.

Cool Off Period: A one business day (1) day ‘cooling-off’ period will be instituted after your loan is paid in full.

Additional Information:

Our lender requires that all Texas customers have a pay stub on file with Checkcity.com when receiving a short-term loan. Please fax or e-mail your latest pay stub when applying to ensure quick processing of your loan. If you receive income by means other than an employer, please fax or e-mail other proof of your Social Security, disability, child support or alimony payments. All materials may be sent via fax to 866-430-0830 or via email to info@checkcity.com. As soon as we receive this, we will be able to complete your loan request.

Your Right to Cancel Future Payment Obligation – A borrower may cancel future payment obligations on a payday loan, without cost or finance charges, no later than midnight of the third business day immediately following the day on which the payday loan agreement was executed. To cancel future payment obligations on a payday loan, the borrower must inform the Checkcity.com in writing that the borrower wants to cancel the future payment obligations on the payday loan and must return the uncashed proceeds, check or cash, in an amount equal to the principal amount of the loan.

Texas 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.

Fee Schedule:

Below are three examples of the most common loan amounts transacted by Checkcity.com.

Official State of Texas Notices: Please click on the links below for additional information.

Example $200 Loan

Example $500 Loan

Example $600 Loan

Loan Term Loan Amount Credit Service Business Fee
($25 per $100 borrowed)
Lender Interest
(10% per annum)
Annual Percentage Rate Total Amount Due
14 Days $200.00 $50.00 $.77 661.79% $250.77
14 Days $500.00 $125.00 $1.92 661.79% $626.92
14 Days $600.00 $150.00 $2.30 661.79% $752.30

 

If the loan payment is dishonored or returned for any reason the loan will be subject to a return item fee of $30.00.

 

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table shows the Annual Percentage Rate (“APR”) and Finance Charges for various loan amounts.

Loan Amount $100 $200 $300 $400 $500 $600
Terms in Days APR
8 1150.63% $25.22 $50.44 $75.66 $100.88 $126.10 $151.32
9 1024.03% $25.25 $50.49 $75.74 $100.99 $126.23 $151.48
10 922.36% $25.27 $50.55 $75.82 $101.10 $126.37 $151.64
11 839.55% $25.30 $50.60 $75.90 $101.21 $126.51 $151.81
12 770.42% $25.33 $50.66 $75.99 $101.32 $126.64 $151.97
13 711.92% $25.36 $50.71 $76.07 $101.42 $126.78 $152.14
14 661.79% $25.38 $50.77 $76.15 $101.53 $126.92 $152.30
15 618.33% $25.41 $50.82 $76.23 $101.64 $127.05 $152.47
16 580.31% $25.44 $50.88 $76.32 $101.75 $127.19 $152.63
17 546.76% $25.47 $50.93 $76.40 $101.86 $127.33 $152.79
18 516.94% $25.49 $50.99 $76.48 $101.97 $127.47 $152.96
19 490.26% $25.52 $51.04 $76.56 $102.08 $127.60 $153.12
20 466.25% $25.55 $51.10 $76.64 $102.19 $127.74 $153.29
21 444.52% $25.58 $51.15 $76.73 $102.30 $127.88 $153.45
22 424.77% $25.60 $51.21 $76.81 $102.41 $128.01 $153.62
23 406.74% $25.63 $51.26 $76.89 $102.52 $128.15 $153.78
24 390.21% $25.66 $51.32 $76.97 $102.63 $128.29 $153.95
25 375.00% $25.68 $51.37 $77.05 $102.74 $128.42 $154.11
26 360.96% $25.71 $51.42 $77.14 $102.85 $128.56 $154.27
27 347.96% $25.74 $51.48 $77.22 $102.96 $128.70 $154.44
28 335.89% $25.77 $51.53 $77.30 $103.07 $128.84 $154.60
29 324.66% $25.79 $51.59 $77.38 $103.18 $128.97 $154.77
30 314.17% $25.82 $51.64 $77.47 $103.29 $129.11 $154.93
31 304.35% $25.85 $51.70 $77.55 $103.40 $129.25 $155.10
32 295.16% $25.88 $51.75 $77.63 $103.51 $129.38 $155.26
33 286.52% $25.90 $51.81 $77.71 $103.62 $129.52 $155.42
34 278.38% $25.93 $51.86 $77.79 $103.73 $129.66 $155.59
35 270.71% $25.96 $51.92 $77.88 $103.84 $129.79 $155.75

Please see your loan agreement for the APR and other terms applicable to your loan.

OCCC 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.uswww.occc.state.tx.us

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.


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