Loan Rates

First Cash Credit
A Credit Business (“CAB”)

  1. Schedule of our CAB credit service fees

    The rates below are the CAB fees associated with obtaining an extension of credit from a third-party lender. A weekly, bi-weekly or semi-monthly pay date (term of 4-18 days) will be charged a CAB rate of 24% of the extension of credit, while a monthly pay date (term of 19-35 days) will be charged a CAB rate of 30% of the extension of credit.

    Extension of Credit
    Amount
    CAB Fee
    @ 24%
    CAB Fee
    @ 30%
    $50.00 $12.00 $15.00
    $75.00 $18.00 $22.50
    $100.00 $24.00 $30.00
    $125.00 $30.00 $37.50
    $150.00 $36.00 $45.00
    $175.00 $42.00 $52.50
    $200.00 $48.00 $60.00
    $225.00 $54.00 $67.50
    $250.00 $60.00 $75.00
    $275.00 $66.00 $82.50
    $300.00 $72.00 $90.00
    $325.00 $78.00 $97.50
    $350.00 $84.00 $105.00
    $375.00 $90.00 $112.50
    $400.00 $96.00 $120.00
    $425.00 $102.00 $127.50
    $450.00 $108.00 $135.00
    $475.00 $114.00 $142.50
    $500.00 $120.00 $150.00
    Extension of Credit
    Amount
    CAB Fee
    @ 24%
    CAB Fee
    @ 30%
    $525.00 $126.00 $157.50
    $550.00 $132.00 $165.00
    $575.00 $138.00 $172.50
    $600.00 $144.00 $180.00
    $625.00 $150.00 $187.50
    $650.00 $156.00 $195.00
    $675.00 $162.00 $202.50
    $700.00 $168.00 $210.00
    $725.00 $174.00 $217.50
    $750.00 $180.00 $225.00
    $775.00 $186.00 $232.50
    $800.00 $192.00 $240.00
    $825.00 $198.00 $247.50
    $850.00 $204.00 $255.00
    $875.00 $210.00 $262.50
    $900.00 $216.00 $270.00
    $925.00 $222.00 $277.50
    $950.00 $228.00 $285.00
    $975.00 $234.00 $292.50
    $1000.00 $240.00 $300.00
  2. Regulatory Authority

    First Cash Credit, Ltd., is a registered Texas Credit Services Organization (“CSO”) licensed as a Credit Access Business ("CAB"), and must operate in compliance with state and local regulations pursuant to Chapter 393 of the Texas Finance Code and under the regulatory authority of the Office of the Consumer Credit Commissioner located at 2601 N. Lamar Blvd., Austin, TX 78705 and whose Consumer Helpline is 800.538.1579.

  3. Consumer 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.

  4. Implications of Non-Payment

    If you miss a payment and your payment is in default for more than 10 days beyond the Payment Date, you will owe a late fee of the greater of 5% of the payment amount (on the principal and interest only) or $7.50. See your contract for further details.

Copyright © First Cash Direct 2011.  V8.1

By using payday advances responsibly, you can effectively deal with unexpected financial emergencies. It provides a sensible alternative to costly bounced check and overdraft protection fees, late bill payment penalties and other less desirable short-term credit options. With a payday advance, you can bridge a cash crunch between paydays, without incurring revolving debt or drawn-out payments. Although the payday advance is a convenient and less costly credit option, you should evaluate the costs and benefits of all your short-term credit alternatives before applying for a payday advance to determine if you have less expensive options available to you. All terms and conditions of our credit access products are provided in detail in our credit access disclosure statement, our credit access application and our credit access agreement. These documents will be available on our website for your review when you go through the application process. Our customer representatives are available during the hours of 8 am to 8 pm Monday through Friday and 8am to 5pm Saturday to answer any questions. Please call us at 888-336-0403. Corporate office location: 690 E. Lamar Blvd.Suite 400, Arlington, TX 76011.