Quick answer
Arlington, TX residents can get loans from licensed lenders regulated by the Texas Office of Consumer Credit Commissioner (OCCC). Payday loans are legal. Call (800) 236-7761 or use the form to see which lenders will work with you today.
Loan options for Arlington residents
Texas law determines what loans are available, what they cost, and who can lend. Here is how each product stands under current Texas law:
| Loan type | Status in TX | Key limits |
|---|---|---|
| Payday / cash advance | Legal | The majority of the loan cost is not subject to a maximum limit - CAB fees are n |
| Cash advance | Legal | Licensed lenders |
| Title loans | Legal | CAB fee not capped; TFC 342.004(e) interest tiers apply to the loan contract por |
| Installment loans | Restricted | Regulated lenders under TFC ch. 342: rate tiers by loan size (OCCC reports allow |
| Bad credit loans | Restricted | Special limits apply |
| Refinance | Restricted | Special limits apply |
Want the short list of lenders who will actually say yes?
Tell us the amount and your credit range. Only lenders licensed in Texas see your request.
Texas loan rules at a glance
All loan products in Arlington follow Texas law. Licensed lenders are regulated by the Texas Office of Consumer Credit Commissioner (OCCC). Here are the key provisions for the most common loan types:
Texas loan rules at a glance
- Payday max amount
- No statutory dollar maximum found in sources reviewed; OCCC reports typical $400-$1,200
- Payday term
- CAB agreement terms limited to 180 days or less (TFC 393.201(b)(2)); may be due in days or over several equal payments
- Payday cost cap
- The majority of the loan cost is not subject to a maximum limit - CAB fees are not capped; loan-contract interest tiers
- Title loan term
- CAB agreement terms limited to 180 days or less
- Title loan rate
- CAB fee not capped; TFC 342.004(e) interest tiers apply to the loan contract portions
- Payday licensing
- Credit Access Business registration/license with OCCC (TFC ch. 393); OCCC rules at 7 TAC ch. 83
- Governing statutes
- Chapter 341, TAC ch. 83, TFC ch. 342, TFC ch. 348
Regulator: Texas Office of Consumer Credit Commissioner (OCCC) · Phone: not captured in sources reviewed (QA to verify OCCC consumer line) · Statutes: Chapter 341, TAC ch. 83, TFC ch. 342, TFC ch. 348 · Last verified: 2026-10-08
Cheaper options in Arlington
Before you take a high-cost loan, check these local alternatives:
- County, area code(s), nearby cities for Arlington (Census / FCC / state sources)
- Texas product statuses restated concisely with regulator link (city inherits state law; never invent city-level law)
- Arlington-specific local alternatives: credit unions offering PALs, municipal/state utility hardship programs, Arlington 211 entry
- Nearby-city internal links