Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / TX
Personal loans, banking, insurance, and debt help in Texas
Texans use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major expenses, typically through unsecured loans priced on credit and income.
37lenders in the dataset
TXstate guide
$2,146/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Texas
Texans use personal loans to consolidate credit card debt, cover emergencies, finance home improvements, or manage major expenses, typically through unsecured loans priced on credit and income.
Interest-rate law
Texas defaults to a 10% constitutional cap absent statutory authorization, but Finance Code Chapter 342 uses a tiered, inflation-indexed schedule for licensed 'regulated lenders'; short-term lending runs on a separate Credit Access Business structure that isn't subject to these caps.
| Loan range | Rate | Statute |
|---|---|---|
| Smallest slice of balance (indexed off ~$500) | ~30% | Texas Finance Code Chapter 342 |
| Next slice (indexed off ~$1,050) | ~24%, stepping down further above that | Texas Finance Code Chapter 342 |
| Payday/title loans via Credit Access Business (CAB) | Uncapped brokerage fee on top of a third-party lender's loan; effectively hundreds of percent APR-equivalent | Texas Finance Code Chapter 393 |
Lender complaints: Texas Office of Consumer Credit Commissioner (OCCC)
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PNC Bank
- Credit profile
- Not specified
- APR range
- 7.89% – 24.99%
- Loan amount
- $1,000 – $35,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
Truist
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $3,500 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 470.12% CAB for TX
- Loan amount
- $300 – $5,000
Poor or limited credit
Fig Loans
- Credit profile
- Poor
- APR range
- 190% – 209%
- Loan amount
- $300 – $500
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Kwikcash
- Credit profile
- Not specified
- APR range
- 99% – 499%
- Loan amount
- $250 – $1,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
MoneyKey
- Credit profile
- Poor
- APR range
- 295% – 401.20%
- Loan amount
- $200 – $2,500
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
RISE
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
Poor or limited credit
Security Finance
- Credit profile
- Not specified
- APR range
- N/A – 124.48%
- Loan amount
- $477 – $2,500
Poor or limited credit
World Finance
- Credit profile
- Poor
- APR range
- N/A – 99%
- Loan amount
- $450 – $12,000
03 / Debt consolidation
Debt consolidation
Texas's tiered Chapter 342 schedule runs roughly 30% down to 24%, so a well-priced consolidation loan should land well under those ceilings. Know whether you're being offered a conventional installment loan (capped) or a Credit Access Business product (not capped) before comparing rates.
04 / Banking and credit unions
Banking in Texas
National banks offer scale and broad networks, while Texas-based and regional banks compete on relationship banking and local lending decisions.
Banks listed
- ChaseNational bank.
- Wells FargoNational bank.
- Bank of AmericaNational bank.
- Frost BankHeadquartered in San Antonio, TX.
- Prosperity BankHeadquartered in El Campo, TX.
- ComericaHeadquartered in Dallas, TX.
- Texas Capital BankHeadquartered in Dallas, TX.
- Woodforest National BankHeadquartered in The Woodlands, TX.
Credit unions
Credit unions are member-owned, not-for-profit institutions offering lower rates and fewer fees than banks, with membership tied to geography, employer, or affiliation.
Texas credit unions posted median membership growth of about 2.7% year over year (Q4 2025 NCUA data), alongside modest median loan growth (~2.2%).
Texas created a standalone credit union charter in 1913, predating the federal system by two decades, with its own dedicated regulator, the Texas Credit Union Department. Roots include Humble Oil's employee credit union (now Energy Capital Credit Union), Texas Instruments' Texins Credit Union, and the country's first federally chartered credit union (Texarkana's Morris Sheppard Federal Credit Union, 1934). Texas has more total credit unions than any other state.
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and requires registration under the Debt Management Services statute (Tex. Fin. Code § 394.201 et seq.), regulated by the OCCC. Fees are set by rule rather than a fixed statutory percentage. Registered providers must carry a surety bond or insurance and meet nonprofit-ownership disclosure requirements.
Companies listed in the dataset
06 / Insurance
Texas insurance
Regulator
Texas Department of Insurance
Insurance regulator websiteAuto insurance
30/60/25
Texas requires liability insurance with minimum limits of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. Personal injury protection (PIP) coverage is also required.
Homeowners and renters
$2,146/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $204/yr
Texas has some of the country's most significant weather exposure: hurricanes along the Gulf Coast, hail and severe thunderstorms across central/northern Texas, and tornadoes. Homeowners premiums rank 4th-highest in the country.
07 / Questions
Texas FAQs
How do I file a complaint against a lender in Texas?
Contact the Texas Office of Consumer Credit Commissioner (OCCC), which licenses and supervises consumer lenders and credit access businesses operating in Texas.
How do I file a complaint against my insurance company in Texas?
File with the Texas Department of Insurance.
What's the maximum interest rate a lender can legally charge on a personal loan in Texas?
For a licensed regulated lender under Chapter 342, roughly 30% on the smallest portion of a balance and 24% on the next slice, with breakpoints adjusting annually for inflation. This is separate from the Credit Access Business structure governing most short-term payday/title products, which isn't subject to these caps.
Are payday loans legal in Texas, and are there caps on fees or loan amounts?
Yes, and Texas has essentially no statewide rate cap for them via the Credit Access Business structure, with effective APRs of 300% to 660% or more. Roughly 45 Texas cities have adopted local ordinances capping loans at 20% of gross monthly income and limiting rollovers to three; outside those ordinances, payday lending is genuinely unregulated on price.
How long can a debt collector legally pursue an unpaid debt in Texas before the statute of limitations runs out?
Written contracts, oral contracts, promissory notes, and open accounts all carry a 4-year statute of limitations (Tex. Civ. Prac. & Rem. Code § 16.004).
What's the difference between a debt consolidation loan and debt settlement for someone living in Texas?
A debt consolidation loan pays off debts in full with new borrowed money on a fixed schedule. Debt settlement negotiates reduced payoffs but damages credit. Texas requires debt settlement companies to register, a real regulatory layer.
