Payday HexCheck options →
State rule guide
In Texas, compare payday/CAB routes by credit access business fee, third-party lender, total payments, APR, local/state rules and OCCC license evidence.
Check the actual providerConfirm who makes the credit decision.
Normalize the costCompare fees, APR, total due and dates.
Stress-test repaymentProtect essential cash after the payment.
Complete guide
Use the sections below to evaluate fit, not to predict approval.
OCCC says a CAB obtains credit from an independent third-party lender; the CAB is the licensed entity in this regulated industry and charges the consumer a fee for obtaining the loan. The borrower signs a promissory note with the lender and a separate credit-service agreement with the CAB. OCCC_CAB
Interactive decision tool
Test the requested amount against the rule summarized on this page.
Provider terms and current state requirements control any offer.
Decision infographic
A statutory ceiling is not an approval amount.
Inputs, provider disclosure and repayment fit must agree.
Continue the guide
Use the remaining checks before moving to a provider form.
OCCC announced that CAB licenses transitioned to NMLS beginning in March 2026. The Payday Hex license checker should therefore use the current OCCC/NMLS route and record the evidence date. OCCC_NMLS
Quick comparison
| Decision | Look for | Stop if |
|---|---|---|
| Availability | State eligibility and provider identity | The creditor or license path is unclear |
| Cost | Amount received, required fees, APR and total repayment | Only the payment size is shown |
| Timing | Decision, release and bank-posting stages | “Instant” is presented as guaranteed |
| Repayment | Exact dates, method and late-payment consequences | The payment reopens the same cash gap |
Explore this cluster
6 focused pages, each with a separate canonical job.
Check Current Rules, Cost & Licensed Routes
Open guide →02Check $300 Face Amount, $255 Net Cash & License
Open guide →03$500 Limit, Fees & 7–31 Day Rules
Open guide →04$500 Limit, 17.5% Fee & Terms
Open guide →0516.75% Fee, $700 Deferred-Presentment Limit
Open guide →06$500 Limit, 14–31 Day Term & Renewal Cap
Open guide →Ready for the next step?
The application page is separate from the guide and is operated with a third-party form provider.