Texas HB4339 increases the interest rate cap for certain unsecured consumer loans.

HB4339 amends the Texas Finance Code to increase the interest rate cap on unsecured consumer loans. The new cap is 36% for loans up to $500, 30% for loans between $500 and $1,050, and 24% for loans up to $2,500. These changes apply only to loans made after the bill's effective date of September 1, 2025. Loans made before this date remain subject to the previous interest rate limits.

Texas HB4339 increases the interest rate cap for certain unsecured consumer loans.

HB4339 amends the Texas Finance Code to increase the interest rate cap on unsecured consumer loans. The new cap is 36% for loans up to $500, 30% for loans between $500 and $1,050, and 24% for loans up to $2,500. These changes apply only to loans made after the bill's effective date of September 1, 2025. Loans made before this date remain subject to the previous interest rate limits.