Except as provided by Sections 302.001(d) and 342.004(c), a loan is subject to this chapter if the loan:
(1) provides for interest in excess of 10 percent a year;
(2) is extended primarily for personal, family, or household use to a person who is located in this state at the time the loan is made;
(3) is made by a person engaged in the business of making, arranging, or negotiating those types of loans; and
(4) either:
(A) is not secured by a lien on real property; or
(B) is described by Section 342.001(4), 342.301, or 342.456 and is predominantly payable in monthly installments.
Official text of the Texas Finance Code as published by the Texas Legislative Council.