Short answer
Yes. Payday and installment lenders can sue for unpaid loans. They can't have you arrested or threaten criminal charges for a returned payment on the loan, and they must follow collection laws.
Helpful next
Sources
- Tex. Fin. Code ch. 392 (Texas Debt Collection Act), incl. § 392.307
- Tex. Const. art. I, § 18 (no imprisonment for debt)
Updated November 2026. General information about Texas law, not legal advice for your case. Laws and court rules change; we review these answers regularly.