TX HB4339

Increases the maximum allowable interest rate on unsecured consumer loans from 30% to 36% annually on the portion of a cash advance up to a $500 reference base amount

Raises the interest rate cap from 24% to 30% annually on the portion of a cash advance between the $500 and $1,050 reference base amounts

Increases the interest rate cap from 18% to 24% annually on the portion of a cash advance between the $1,050 and $2,500 reference base amounts

Applies only to loans made on or after September 1, 2025; loans made before that date remain subject to the previous interest rate limits

Refinances or renewals of existing loans are treated as made on the original loan date, meaning they would remain under the old rate limits