While one would think that Texas usury laws would prohibit loans with such high interest rates, payday loan companies have done a very good job of skirting usury laws and influencing politicians to avoid enacting legislation to prohibit this type of abusive lending. While there are regulations in place to provide some limits on the interest rates for payday loans, lenders have done a very good job of finding loopholes and other ways to legally charge higher rates.
With that said, if you want to check further to see if your lender is in full compliance, you might try contacting the Office of the Consumer Credit Commissioner - I have provided a link to their website below. Best of luck, and if possible, I highly suggest that you avoid borrowing money from these types of abusive lenders.
This advice is for INFORMATIONAL PURPOSES only and should not be relied upon as legal advice. No attorney-client relationship shall be formed as a result of the answer above.