Texas Loan Comparison

Find and compare loans available to residents of Texas. Select a loan category below to see lender options, rates, and state-specific consumer protections.

Texas Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$310,000

Median Household Income

$73,000

Avg Student Debt

$33,770

State Regulator

Texas Office of Consumer Credit Commissioner

Notable law: Texas allows payday lenders to operate as Credit Services Organizations (CSOs), a legal structure that avoids the state's usury limits and results in some of the highest effective APRs in the country.

Loan Categories in Texas

Personal Loans

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses.

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Mortgage

Home purchase loans, refinancing, and home equity products from top mortgage lenders.

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Auto Loans

New and used auto purchase loans plus auto refinancing options from national and regional lenders.

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Student Loans

Private student loans and refinancing options to fund undergraduate, graduate, and professional programs.

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Business Loans

Term loans, SBA-backed loans, lines of credit, and equipment financing for small and medium businesses.

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Texas Lending Regulator

Consumer lenders in Texas are overseen by the Texas Office of Consumer Credit Commissioner. File complaints or verify lender licenses directly with this agency.

Texas allows payday lenders to operate as Credit Services Organizations (CSOs), a legal structure that avoids the state's usury limits and results in some of the highest effective APRs in the country.