Texas · Unpaid personal loan
Unpaid personal loan in Texas small claims
Friend or family owes you money? Recover it in small claims.
Lending money to a friend or family member without repayment can lead to a small claims case. You do not need a formal promissory note to sue, but having written evidence of the loan — even text messages or emails confirming the amount and a promise to repay — dramatically strengthens your case. The key elements are proving the loan was made, the amount, and that repayment was due.
In Texas, small-claims cases are heard in the Justice Court (Justice of the Peace) and you can sue for up to $20,000 (including any attorney's fees, but excluding statutory interest and court costs).
Good to know: Texas no longer has a separate "small claims court." Since 2013, a small-claims case is a civil case heard in the Justice Court (the Justice of the Peace, or "JP" court) under Texas Rules of Civil Procedure 500–510.
Unpaid personal loan in Texas: local specifics
Texas personal loan claims are filed as civil petitions in the Justice Court (JP court). Texas applies the same limitations period regardless of whether your loan agreement was written or oral.
Unpaid personal loan: steps that matter
- Gather all evidence of the loan: bank transfers, cash-withdrawal records, texts, emails, or any written note agreeing to repay.
- Calculate the amount owed including any agreed interest, and confirm when repayment was supposed to occur.
- Send a written demand for repayment with a clear deadline and keep proof you sent it.
- Confirm you are within the statute of limitations below before filing — the clock may have started from the repayment due date.
- File in the court where the defendant lives or where the loan was agreed to.
Filing your petition in Texas
- Gather your information. Collect your evidence and the full legal names and addresses of everyone you are suing. You can sue for up to $20,000.
- Find the right Justice Court. File in the Justice of the Peace precinct with proper venue, usually where the defendant lives or where the events happened. Call the clerk to confirm venue, fees, and local procedure.
- File your petition. Complete and file the petition in person, by mail, or through eFileTexas.gov, which offers a guided small-claims petition. Pay the filing fee when you file.
- Serve the defendant. The court issues a citation that, with your petition, must be served on the defendant by a constable, sheriff, approved process server, or the clerk by certified mail. You cannot serve the papers yourself.
Filing fees: Filing fees are set locally and vary by county, commonly in the range of about $30–$100, plus a separate service-of-citation fee. Verify the exact amount with your Justice Court.
Deadline that applies to your unpaid personal loan
A personal loan is a contract or debt claim — you lent money on a promise to repay. If you have a written loan agreement, the written-contract statute of limitations typically applies. If the loan was only a verbal agreement, the oral-contract or debt period usually governs. The limitations clock generally starts from the date repayment was due or the last payment made.
Breach of written or oral contract: 4 years (Tex. Civ. Prac. & Rem. Code § 16.004)
Answering a lawsuit: The defendant must answer by the end of the 14th day after being served with the citation and petition (Texas Rule of Civil Procedure 502.5). If that day falls on a weekend or holiday, the answer is due the next business day.
Serving the defendant: The petition and citation are served by a constable, sheriff, court-approved process server, or the clerk by certified or registered mail. The plaintiff cannot personally serve the defendant.
Appeals: Either party may appeal a Justice Court judgment to the county court within 21 days, where it is heard de novo (a brand-new trial). Perfecting the appeal requires an appeal bond, cash deposit, or a Statement of Inability to Afford Payment of Court Costs (Texas Rule of Civil Procedure 506.1).
All Texas small-claims deadlines
The table below lists the filing deadlines Justice Court (Justice of the Peace) applies by claim category. Confirm the exact rule that applies to your unpaid personal loan claim with your court before relying on any figure.
| Claim type | Filing deadline |
|---|---|
| Breach of written or oral contract (Tex. Civ. Prac. & Rem. Code § 16.004) | 4 years |
| Debt (Tex. Civ. Prac. & Rem. Code § 16.004) | 4 years |
| Property damage (Tex. Civ. Prac. & Rem. Code § 16.003) | 2 years |
| Personal injury (Tex. Civ. Prac. & Rem. Code § 16.003) | 2 years |
Texas small-claims forms for your unpaid personal loan case
These forms are published by the Justice Court (Justice of the Peace). CaseBySelf can pre-fill them automatically from your case details.
- Petition - Small Claims Case: Begins a Texas small-claims case in justice court.
- Self-Help Legal Information Packet: Filing a Small Claims Case: Explains Texas justice-court small-claims eligibility, filing, service, trial, appeal, and collection basics.
- Statement of Inability to Afford Payment of Court Costs or an Appeal Bond: Requests permission to file, participate, or appeal without prepaying court costs the person cannot afford.
- Answer - Small Claims Case: Lets a Texas justice-court defendant answer a small-claims case.
This page is general information, not legal advice, and CaseBySelf is not a law firm. Rules, fees, and deadlines change and vary by court: verify with the specific court where you file. Source: Texas State Law Library: Small Claims Cases. Last reviewed 2026-06-22.