Texas Schedule of All Fees

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TitleMax of Texas, Inc. d/b/a TitleBucks
www.titlebucks.com

Texas Schedule of All Fees (All Stores)
Effective June 2019

Thank you for your interest in TitleMax of Texas, Inc. d/b/a TitleBucks (“CSO”). CSO provides credit services – it helps consumers obtain loans from a third-party lender and issues a credit enhancement to the third-party lender to back up consumer’s promise to pay the loan. CSO is not a lender.

CSO Credit Services and Fee Schedule – Secured Loans

Lender Interest and Fee Schedule – Secured Loans:

CSO Credit Services and Fee Schedule – Personal (Unsecured) Loans

Lender Interest and Fee Schedule – Personal (Unsecured) Loans

Loan/CSO Fee Examples – Personal (Unsecured) Loans

Bi-Weekly Payment Examples: The following examples have a 10 payment, 140-day term with payments due every 14 days:

Loan Amount $ 500.00
Daily CSO Fee %
(without recurring electronic payments)
1.780%
Finance Charge
CSO Fee (payable in 10 Payments) $ 1,246.00
Lender Interest $ 19.08
Total of Payments $ 1,765.08
APR 650.90%
Payments #1-9
9 CSO Fee Payments of $ 124.60
Payment #10
CSO Fee Payment 10 $ 124.60
Payment to Lender $ 519.08
$ 643.68
Loan Amount $ 500.00
Daily CSO Fee %
(with recurring electronic payments)
1.424%
Finance Charge
CSO Fee (payable in 10 Payments) $ 996.80
Lender Interest $ 19.08
Total of Payments $ 1,515.88
APR 522.14%
Payments #1-9
9 CSO Fee Payments of $ 99.68
Payment #10
CSO Fee Payment 10 $ 99.68
Payment to Lender $ 519.08
$ 618.76
Loan Amount $ 1,500.00
Daily CSO Fee %
(without recurring electronic payments)
1.780%
Finance Charge
CSO Fee (payable in 10 Payments) $ 3,738.00
Lender Interest $ 57.25
Total of Payments $ 5,295.25
APR 650.90%
Payments #1-9
9 CSO Fee Payments of $ 373.80
Payment #10
CSO Fee Payment 10 $ 373.80
Payment to Lender $ 1,557.25
$ 1,931.05
Loan Amount $ 1,500.00
Daily CSO Fee %
(with recurring electronic payments)
1.424%
Finance Charge
CSO Fee (payable in 10 Payments) $ 2,990.40
Lender Interest $ 57.25
Total of Payments $ 4,547.65
APR 522.14%
Payments #1-9
9 CSO Fee Payments of $ 299.04
Payment #10
CSO Fee Payment 10 $ 299.04
Payment to Lender $ 1,557.25
$ 1,856.29

Semi-Monthly (twice monthly) Payment Examples: The following examples have a 10 payment, 150-day term with the first payment due 14 days from the origination date and payments due on the 1st and 15th of each month:

Loan Amount $ 500.00
Daily CSO Fee %
(without recurring electronic payments)
1.780%
Finance Charge
CSO Fee (payable in 10 Payments) $ 1,335.00
Lender Interest $ 20.45
Total of Payments $ 1,855.45
APR 655.55%
Payments #1
1 CSO Fee Payment of $ 124.60
Payments #2-9
8 CSO Fee Payments of $ 134.49
Payment #10
CSO Fee Payment 10 $ 134.48
Payment to Lender $ 520.45
$ 654.93
Loan Amount $ 500.00
Daily CSO Fee %
(with recurring electronic payments)
1.424%
Finance Charge
CSO Fee (payable in 10 Payments) $ 1,068.00
Lender Interest $ 20.45
Total of Payments $ 1,588.45
APR 525.35%
Payments #1
1 CSO Fee Payment of $ 99.68
Payments #2-9
8 CSO Fee Payments of $ 107.59
Payment #10
CSO Fee Payment 10 $ 107.60
Payment to Lender $ 520.45
$ 628.05
Loan Amount $ 1,500.00
Daily CSO Fee %
(without recurring electronic payments)
1.780%
Finance Charge
CSO Fee (payable in 10 Payments) $ 4,005.00
Lender Interest $ 61.34
Total of Payments $ 5,566.34
APR 655.55%
Payments #1
1 CSO Fee Payment of $ 373.80
Payments #2-9
8 CSO Fee Payments of $ 403.47
Payment #10
CSO Fee Payment 10 $ 403.44
Payment to Lender $ 1,561.34
$ 1,964.78
Loan Amount $ 1,500.00
Daily CSO Fee %
(with recurring electronic payments)
1.424%
Finance Charge
CSO Fee (payable in 10 Payments) $ 3,204.00
Lender Interest $ 61.34
Total of Payments $ 4,765.34
APR 525.35%
Payments #1
1 CSO Fee Payment of $ 299.04
Payments #2-9
8 CSO Fee Payments of $ 322.77
Payment #10
CSO Fee Payment 10 $ 322.80
Payment to Lender $ 1,561.34
$ 1,884.14

Monthly Payment Examples: The following examples have a 5-month term with payments due on the same date each month:

Loan Amount $ 500.00
Daily CSO Fee %
(without recurring electronic payments)
1.780%
Finance Charge
CSO Fee (payable in 10 Payments) $ 1,361.70
Lender Interest $ 20.85
Total of Payments $ 1,882.55
APR 659.21%
Payments #1
1 CSO Fee Payment of $ 275.90
Payments #2-4
3 CSO Fee Payments of $ 271.45
Payment #5
CSO Fee Payment 5 $ 271.45
Payment to Lender $ 520.85
$ 792.30
Loan Amount $ 500.00
Daily CSO Fee %
(with recurring electronic payments)
1.425%
Finance Charge
CSO Fee (payable in 10 Payments) $ 1,089.36
Lender Interest $ 20.85
Total of Payments $ 1,610.21
APR 528.54%
Payments #1
1 CSO Fee Payment of $ 220.72
Payments #2-4
3 CSO Fee Payments of $ 217.16
Payment #5
CSO Fee Payment 5 $ 217.16
Payment to Lender $ 520.85
$ 738.01
Loan Amount $ 1,500.00
Daily CSO Fee %
(without recurring electronic payments)
1.780%
Finance Charge
CSO Fee (payable in 10 Payments) $ 4,085.10
Lender Interest $ 62.56
Total of Payments $ 5,647.66
APR 659.21%
Payments #1
1 CSO Fee Payment of $ 827.70
Payments #2-4
3 CSO Fee Payments of $ 814.35
Payment #5
CSO Fee Payment 5 $ 814.35
Payment to Lender $ 1,562.56
$ 2,375.91
Loan Amount $ 1,500.00
Daily CSO Fee %
(with recurring electronic payments)
1.425%
Finance Charge
CSO Fee (payable in 10 Payments) $ 3,268.08
Lender Interest $ 62.56
Total of Payments $ 4,830.64
APR 528.54%
Payments #1
1 CSO Fee Payment of $ 662.16
Payments #2-4
3 CSO Fee Payments of $ 651.48
Payment #5
CSO Fee Payment 5 $ 651.48
Payment to Lender $ 1,562.56
$ 2,214.04

TEXAS CONSUMER CREDIT NOTICE

CSO is a credit services organization registered with the Texas Secretary of State. 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: www.occc.texas.gov. Email: consumer.complaints@occc.texas.gov.

CSO’s agent in Texas authorized to receive service of process is Corporation Service Company d/b/a CSC-Lawyers Incorporating Service Company, 211 E. 7th Street, Suite 620, Austin, TX 78701-3136.

Individual retail location licenses and registrations are available for review in each location.

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.