Texas Calculadora de Cargos por Mora
Calculate late fees for Texas invoices using state-specific rules, maximum rates, and grace periods.
TX Quick Facts
Applicable Statutes
- Tex. Fin. Code § 302.001 (maximum interest)
- Tex. Fin. Code § 303.009 (usury ceiling)
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Texas Late Fee Rules
No statutory maximum late fee for commercial invoices — must be reasonable.
Late fees of 10-12% of outstanding balance are generally presumed reasonable.
Monthly fees that annualize above the usury ceiling violate Texas law.
Late fees must be clearly stated in the contract to be enforceable.
Important Note
The 18%/year usury ceiling is the key constraint. Any fee effectively exceeding this annual rate could be challenged.
This information is for general educational purposes only and does not constitute legal advice. Texas laws may change. Consult a licensed attorney in your state for advice specific to your situation.
Texas Late Fee FAQs
What is the maximum late fee allowed in Texas?
In Texas (TX), the maximum late fee is: No statutory cap; 10-12% of amount presumed reasonable. The maximum interest rate is 18% per year (usury ceiling, may float to 24-28% for large loans). Always include late fee terms in your contracts before invoicing.
Is there a grace period for late fees in Texas?
Texas grace period: 1-2 days after due date required. Check your specific contract terms and applicable TX statutes for details.
What is the most common late fee rate used in Texas?
The most common late fee rate for commercial invoices in Texas is 1.5% per month. The 18%/year usury ceiling is the key constraint. Any fee effectively exceeding this annual rate could be challenged.
Which Texas statutes govern late fees on invoices?
The key Texas statutes governing late fees and interest on invoices are:
- Tex. Fin. Code § 302.001 (maximum interest)
- Tex. Fin. Code § 303.009 (usury ceiling)
Consult a TX attorney for advice specific to your situation.
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