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Texas OCCC Notice and Fee Schedule
Schedule of All Fees.
Schedule of all fees to be charged for services performed by the credit access business in connection with motor vehicle title loans, as applicable in the following examples:
Auto Title Loan — Single Payment
Auto Title Loan — Multi-Payment*
*Loans are payable in a single payment due 180 days after origination. In addition to the loan payment, CSO payments are due in six equal installments 30 days apart, beginning 30 days after origination and ending on the loan maturity date. On a $500 loan, five CSO fee payments of $79.90 will be followed by a combined loan/CSO fee payment of $639.05. On a $1,000 loan, five CSO fee payments of $144.52 will be followed by a combined loan/CSO fee payment of $1,228.19. On a $2,000 loan, five CSO fee payments of $264.09 will be followed by a combined loan/CSO fee payment of $2,396.83
Other Fees: If you default, you may incur charges, costs, fees and expenses, including all collection costs and reasonable attorneys’ fees incurred or paid in exercising any right, power or remedy related to nonpayment, repossession, or sale of the vehicle.
Office of Consumer Credit Commissioner: This business is licensed and regulated by the State of Texas – Office of Consumer Credit Commissioner (“OCCC”). Call the Consumer Credit Hotline or write for credit information or assistance with credit problems:
Office of Consumer Credit Commissioner
2601 North Lamar Boulevard
Austin, Texas 78705-4207
Toll free: (800) 538-1579
Local: (512) 936-7600
OCCC 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.