Personal Loans – 6 Month Payment Plan

Loan Amount

$100.00 up to $2,500.00

Maximum Loan Terms

180 days

No Early payment penalty


1.38% – 1.78% per day, plus 10% interest on loan amount

You have the right to rescind your loan within three days of signing your loan contract. To access the cancellation forms, click here.

Actual loan terms may vary based on applicant’s qualifications. Your loan will be due on your next payday that falls between 8 to 35 days away. If your pay dates fall outside of this range, your loan will be due in 14 days. If you are paid by paper check, we will give you a grace period of one day to deposit your check.

The cost of your loan will include a CAB fee of 1.38% – 1.78% per day depending on loan amount, plus 10% interest on loan principal. This translates to different annual percentage rates depending on your loan term.

If your payment is 10 or more days late, you will be charged a late fee of 5% of the outstanding balance or $7.50, whichever is greater.

You will be charged a non-sufficient funds fee (NSF) of $30 one time per loan if you do not have enough funds in your account at the time your loan payment is due.

Consumer Disclosure Forms

These following links lead to cost disclosures, required by the state of Texas for all residents applying for a multi-payment CAB payday loan, which outline the total costs associated with some common examples of these types of loans.


If you need additional time to repay, you have the option of requesting a due date extension. If you extend your loan due date, you will pay your initial CAB Fee and lender interest on the original due date and pay your loan principal, which includes an additional CAB Fee, plus any additional interest on your extended due date. Please call us if you need additional time to repay.

Consumer Credit Notice

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.

2601 North Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610

cso certification

CSO Certification

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.

BCY Financial, Inc. will not be the lender for loans received at this site. BCY Financial, Inc. is a Credit Access Business. We will attempt to arrange a loan between you and an unaffiliated third-party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by BCY Financial, Inc. and not the lender.

Terms Explained

Amount Disbursed

This is the amount that the customer will receive in their bank account if approved.

Loan Fee/Finance Charge

This terms refer to the dollar amount your loan will cost you, in addition to the amount disbursed. The loan fee/finance charge includes interest and CAB fees.

Total of Payments

This is the sum of the amount disbursed and the finance charge. It is the total amount you must repay.


This is the length of time over which your loan must be repaid. You may repay early with not penalty.


APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.

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