Personal Loans in Texas
Here's what fees you can expect when obtaining online personal loans in Texas:
| Personal loan lending status in Texas: |
Legal |
| Maximum loan amount in Texas: |
No fixed maximum in the rate provisions (Tex. Fin. Code 342.201) |
| APR cap: |
Licensed lenders are capped: an add-on rate of $18 per $100 per year on the first $300 plus $8 per $100 per year up to $2,500, or 30% / 24% / 18% a year on indexed amount brackets, or the Chapter 303 alternative rate (18% to 24% a year), plus an administrative fee of $20 or $25 (Tex. Fin. Code 342.201) |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
Not specified |
| State Regulator: |
Texas Office of Consumer Credit Commissioner (OCCC)
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Texas.
Personal Loan Locations in Texas
Oportun
5.0★★★★★(2611 reviews)
5316 Airline Dr Suite A, Houston, TX 77022, USA
Oportun
5.0★★★★★(2088 reviews)
5505 Montana Ave Suite A, El Paso, TX 79903, USA
Oportun
5.0★★★★★(2008 reviews)
6040 S Gessner Rd, Houston, TX 77036, USA
RISEcredit
4.4★★★★☆(1956 reviews)
4150 International Plaza Ste 300, Fort Worth, TX 76109, USA
Advance America
5.0★★★★★(1948 reviews)
8574 Westheimer Rd, Houston, TX 77063, USA
Advance America
5.0★★★★★(1886 reviews)
8900 Viscount Blvd Ste AO, El Paso, TX 79925, USA
Advance America
5.0★★★★★(1553 reviews)
2110 W Pecan St Suite 103, Pflugerville, TX 78660, USA
Oportun
4.9★★★★☆(1371 reviews)
La Gran Plaza de Fort Worth, 4200 South Fwy Suite 1083, Fort Worth, TX 76115, USA
Advance America
5.0★★★★★(1243 reviews)
1320 N Zaragoza Rd Ste 121, El Paso, TX 79936, USA
Sun Loan Company
4.9★★★★☆(1235 reviews)
700 N Zaragoza Rd V, El Paso, TX 79907, USA
No locations found for that city. Show all
A personal loan in Texas is a fixed-amount loan from banks, credit unions, and online lenders. Loan amounts vary widely and pay back over 1 to 7 years with predictable payments.
Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. Use the funds for almost any legal purpose – no restrictions.
Why Compare Personal Loan Lenders in Texas
- Compare multiple lenders at once – get rates from top lenders serving Texas with one quick form
- No hard credit pull to compare – comparing rates through MaybeLoan does not affect your credit
- Transparent monthly payments – know exactly what you are paying before you commit
- All credit types considered – not just prime borrowers
- No fees from MaybeLoan – lenders pay us, not you
The Application Process
Getting a personal loan in Texas through MaybeLoan takes just a few minutes.
- Step 1: Fill out the quick online form – takes about 5 minutes
- Step 2: Get matched – compare real rate offers instantly
- Step 3: Compare and choose – look at APR, monthly payments, and loan terms
- Step 4: Get funded – typically within 1-3 business days, sometimes same day
Personal Loan Requirements in Texas
To qualify for a personal loan in Texas, most lenders require:
- Must be at least 18
- U.S. citizen or permanent resident
- Active checking account in your name
- Steady employment, self-employment, or benefits
- Social Security number
Different lenders have different minimums. Many online lenders accept scores as low as 580-600.
Personal Loan Rates in Texas
Your actual rate depends on your credit score, income, loan amount, and term. Those with fair credit (580-660) typically see rates of 15-30% APR.
Always compare at least 2-3 lenders before deciding.
FAQ - Personal Loans in Texas
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
