Best Personal Loans in Texas

Unsecured personal loans for debt consolidation, home improvement, major purchases, or emergency expenses. In Texas, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Texas Office of Consumer Credit Commissioner.

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.

8 Personal Loans Lenders serving Texas

Best Egg

Personal Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Texas

Apply at Best Egg

Better Mortgage

Personal Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Texas

Apply at Better Mortgage

Bluevine

Personal Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Texas

Apply at Bluevine

Capital One Auto

Personal Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Texas

Apply at Capital One Auto

Earnest

Personal Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Texas

Apply at Earnest

LightStream

Personal Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Texas

Apply at LightStream

LightStream Auto

Personal Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Texas

Apply at LightStream Auto

OnDeck

Personal Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Texas

Apply at OnDeck

Texas Lending Laws

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.

The primary regulator for consumer lending in Texas is the Texas Office of Consumer Credit Commissioner. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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