Texas Loan Guide
Trusted by 50,000+ Texans

Find the Best Loan in Texas — Compare Rates in 60 Seconds

Stop searching lender by lender. We compare personal loans, payday loans, and bad credit options from 100+ licensed Texas lenders — all without affecting your credit score.

See My OptionsFree. No obligation. No credit impact.

How much do you need?

Check rates from 100+ Texas lenders — no credit impact.

$15,000
$5K$50K
No credit impact
256-bit SSL
256-bit SSL
Bank-grade encryption
No Credit Impact
Soft check only
100+ Lenders
Nationwide network
60-Second Results
Instant matching

How It Works

Get matched with the right lender in three simple steps

Step 1

Choose Your Amount

Tell us how much you need and what type of loan you are looking for. It takes less than 30 seconds.

Step 2

Compare Lenders

We instantly search 100+ licensed lenders and show you the best rates, terms, and approval odds for your profile.

Step 3

Get Funded Same Day

Pick the offer that works best for you and complete the application directly with the lender. Many fund same day.

Top Rated Texas Lenders

Our highest-rated lending partners for Texas borrowers

#1
T

TexasRate Personal

4.9

Premium personal loan provider offering the lowest rates for qualified Texas borrowers. Ideal for debt consolidation and major purchases.

APR Range
5.49% - 24.99%
Loan Amount
$2,000 - $50,000
Min. Credit Score
640
Funding Speed
2-3 business days
  • Lowest rates for good credit
  • No origination fee
  • Loan amounts up to $50,000
  • Rate match guarantee
Apply Now — Check Rates

Checking rates will not affect your credit score

#2
L

LendUp Financial

4.8

A trusted online lender offering competitive personal loans to Texas residents. Known for fast approvals and transparent terms with no hidden fees.

APR Range
5.99% - 29.99%
Loan Amount
$1,000 - $40,000
Min. Credit Score
580
Funding Speed
1-2 business days
  • No origination fee
  • Soft credit check for pre-qualification
  • Autopay discount of 0.25%
  • Direct deposit to bank account
Apply Now — Check Rates

Checking rates will not affect your credit score

#3
L

Lone Star Lending

4.6

Texas-based lender focused on serving the Lone Star State. Offers personal, auto title, and installment loans with local customer service.

APR Range
8.99% - 34.99%
Loan Amount
$500 - $25,000
Min. Credit Score
550
Funding Speed
1-3 business days
  • Texas-based customer support
  • Multiple loan types available
  • No prepayment penalties
  • Credit score improvement program
Apply Now — Check Rates

Checking rates will not affect your credit score

Q

QuickFund Texas

4.5

Specializing in same-day funding for Texas borrowers. Offers payday and installment loans with a streamlined online application process.

APR Range
12.99% - 35.99%
Loan Amount
$200 - $5,000
Min. Credit Score
None
Funding Speed
Same day
  • No minimum credit score
  • Same-day funding available
  • Simple online application
  • Flexible repayment options
Apply Now — Check Rates

Checking rates will not affect your credit score

B

BadCredit.com

4.3

A nationwide lending marketplace connecting borrowers with bad credit to willing lenders. Specializes in second-chance lending opportunities.

APR Range
15.99% - 35.99%
Loan Amount
$500 - $10,000
Min. Credit Score
None
Funding Speed
1-2 business days
  • Accepts credit scores under 500
  • Large network of willing lenders
  • Free credit monitoring included
  • Bankruptcy-friendly options
Apply Now — Check Rates

Checking rates will not affect your credit score

S

SpeedCash Direct

4.2

Ultra-fast online lender offering emergency cash within hours. Perfect for urgent financial needs with a simple 3-minute application.

APR Range
18.99% - 35.99%
Loan Amount
$100 - $3,000
Min. Credit Score
None
Funding Speed
Within hours
  • Funding in as little as 1 hour
  • 3-minute application
  • No documents needed for small amounts
  • 24/7 approval process
Apply Now — Check Rates

Checking rates will not affect your credit score

Loan Payment Calculator

Estimate your monthly payment before you apply.

$2,000
$100$25,000
15.0%
1%36%
12 months
3 mo60 mo
Monthly Payment
$180.52
Total Payment
$2166.20
Total Interest
$166.20

* This calculator provides estimates only. Actual rates, terms, and payments may vary based on your credit profile, lender, and loan type. APR includes both interest rate and any applicable fees.

Frequently Asked Questions

Is Texas Loan Guide a lender?
No. Texas Loan Guide is a free comparison marketplace. We connect you with licensed lenders and lending partners. We do not make loans or credit decisions.
Will checking rates affect my credit score?
No. Our initial matching process uses a soft credit inquiry, which does not impact your credit score. A hard inquiry may occur only after you choose a specific lender and formally apply.
How quickly can I get funded?
Many lenders offer same-day or next-business-day funding once approved. Emergency and payday loan options may fund within hours. Timeline depends on the lender and your bank.
What credit score do I need?
Requirements vary by loan type and lender. Personal loans typically require 580+, while payday and title loans often have no minimum credit score requirement. Bad credit options are available for scores below 500.
Are payday loans legal in Texas?
Yes. Texas allows payday loans through licensed Credit Access Businesses (CABs) regulated by the Office of Consumer Credit Commissioner (OCCC). Some Texas cities have local ordinances with additional restrictions.
How much can I borrow?
Loan amounts range from $100 for payday loans to $50,000 for personal loans. The amount you qualify for depends on your income, credit history, and the type of loan.