Rates & Terms

Rates and terms vary; please select your state of residence for more information about our services.

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Rates & Terms for Texas

Credit Access Business

eMoneyMissouri, LLC will not be the lender for loans made to Texas residents. eMoneyMissouri, LLC is a Credit Access Business. We will attempt to arrange a loan between you and a third party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by eMoneyMissouri, LLC and not the lender.

Loan Terms

  • The maximum loan amount for Texas residents will be 35% of gross monthly income or $1800.00, whichever is less.
  • Your loan will be an equal payment installment loan not to exceed 180 days.
  • You have the right to rescind your loan within 3 days of signing your loan contracts.

Loan Repayment

You have the right to repay your loan in full on your due date. You will not be accessed a prepayment penalty for paying your loan off early or making additional payments toward the principal.

Your Credit Access Business application origination fee will be $25. In addition to the origination fee, you will pay a CAB fee for helping secure the loan and agreeing to back the loan in case of default. The CAB shown as an annualized APR will range from 130%-700% You will also be charged interest by your lender of 10.00% APR on loan principal. Click here to find fee schedules for three common loan amounts offered to our customers.

Consumer Disclosure Form

These three links leads to disclosures, required by the state of Texas for all residents applying for a CAB loan which outline the total costs associated with these types of loans of different amounts.

Consumer Credit Notice

This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: iccc.texas.gov. Email: consumer.complaints@occc.texas.gov. "; and (3) the notice required by Texas Finance Code 393.222(a)(3)."

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 alone should only be used to meet immediate short-term cash needs. Refinancing the loan rather then paying the debt in full when due will require the payment of additional charges.

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