Texas Finance Code - FIN § 342.001. Definitions

(A) that is payable in installments that are not consecutive, monthly, and substantially equal in amount;  or

(B) the first scheduled installment of which is due later than one month and 15 days after the date of the loan.

(A) that is payable in installments that are consecutive, monthly, and substantially equal in amount;  and

(B) the first scheduled installment of which is due within one month and 15 days after the date of the loan.

(A) secured in whole or in part by an interest, including a lien or security interest, in real property that is:

(B) not to be repaid before the 91st day after the date of the loan.