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 online lender we'll match it.

Maximum Loan Amount

The maximum loan amount for Texas residents is $1000.

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%
** Credit Service Organization

Fees and Charges

In Texas, PayDay One Express, LLC is a Credit Service Organization (CSO) registered with the Texas Secretary of State. 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 fee of $22.50 per $100 of the Amount Financed.

Repayment Option(s)

  • Pay your loan in full
  • Refinance your loan and pay just the interest and fees
  • Refinance your loan, pay the interest and fees plus 10% or more towards the principalNote: You may only use this option a maximum of 4 times. Your loan will be due on your next payday that falls between 10 to 21 days away. Your loan will be paid in full on due date unless you login to select another option.

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

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