Lending Disclosure: We are not a direct lender. We are a free matching service that connects borrowers with third-party lenders and Credit Access Businesses (CABs). We do not make credit decisions, fund loans, or determine loan terms.
APR Disclosure: APR varies by lender and state. Short-term loans in Texas can have effective APRs exceeding 400% due to CAB fees. Always review your lender's specific disclosures.
Credit Check Notice: Lenders in our network may perform non-traditional credit checks or check your credit through major bureaus to determine creditworthiness. Submitting a request does not guarantee approval.
State Information: In Texas, short-term lending is typically conducted via Credit Access Businesses (CABs) governed by the Texas Office of Consumer Credit Commissioner (OCCC). Lenders may limit loan amounts based on your gross monthly income.
State Regulations: Governed by the Texas Finance Code Chapter 342; CABs must provide specific fee disclosures. Local city ordinances may also apply.