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Banks and credit unions will usually only allow you to borrow up to 40% of your gross annual income for a debt consolidation loan in Canada.
On a statewide basis, there are no Texas laws specifically governing payday lenders or payday loan terms; credit access businesses that act as loan arrangers or broker payday loans (and vehicle title loans) are regulated and subject to licensing, reporting, and requirements to provide consumers with disclosures about repayment and reborrowing rates.
Therefore, almost anyone can benefit from payday loans, regardless of credit score history.