Texas Loan Guide

Disclaimer

Last Updated: March 2026

Not a Lender Disclosure

Texas Loan Guide (texasloan.guide) is NOT a lender, loan broker, or agent for any lender or loan broker. We are a free online service that connects consumers with participating lenders and lending partners. We do not make loans, credit decisions, or charge any fees for our comparison service.

The information presented on this website is for informational purposes only and does not constitute financial advice, legal advice, or an offer to lend. We encourage all borrowers to seek independent financial counseling before making borrowing decisions.

Truth in Lending Act (TILA) Disclosure

Under the federal Truth in Lending Act (TILA), codified at 15 U.S.C.§ 1601 et seq., lenders are required to provide borrowers with clear disclosures of loan terms before the loan is consummated. These disclosures include:

  • Annual Percentage Rate (APR): The cost of your credit as a yearly rate, including both interest and certain fees.
  • Finance Charge: The total dollar amount the credit will cost you over the life of the loan.
  • Amount Financed: The dollar amount of credit provided to you.
  • Total of Payments: The total amount you will have paid when you have made all scheduled payments.
  • Payment Schedule: The number, amounts, and timing of payments.

The APR ranges displayed on this website are estimates and representative examples only. Your actual APR will be determined by your lender based on your credit profile, income, loan amount, and other factors. Always review the TILA disclosure provided by your specific lender before signing any loan agreement.

Texas-Specific Lending Regulations

Lending in Texas is regulated by the Texas Finance Code and supervised by the Office of Consumer Credit Commissioner (OCCC). Important regulations include:

  • Credit Access Business (CAB) Model: Texas allows payday and auto title lenders to operate as Credit Access Businesses. CABs arrange loans with third-party lenders and charge access fees in addition to the lender's interest. This can significantly increase the total cost of borrowing. All CABs must be licensed with the OCCC.
  • No Usury Cap: Texas does not impose a traditional usury cap on consumer loans arranged through CABs. Interest rates and fees on payday and title loans can be substantially higher than rates on bank loans or credit cards.
  • Local Ordinances: Several Texas cities, including Houston, Dallas, San Antonio, Austin, El Paso, and others, have adopted local ordinances that impose additional restrictions on payday and title lenders, including loan-amount-to-income ratios and limits on rollovers.
  • Military Lending Act: Active-duty service members and their dependents are protected by the federal Military Lending Act (MLA), which caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit products.
  • Collection Practices: The Texas Debt Collection Act (Tex. Fin. Code § 392) prohibits debt collectors from using threats, harassment, or deceptive practices when collecting debts.

Credit Score Disclosure

Requesting loan quotes through Texas Loan Guide involves a soft credit inquiry, which does not affect your credit score. However, if you proceed with a formal loan application through one of our lending partners, the lender may perform a hard credit inquiry, which may temporarily lower your credit score by a small amount.

Affiliate Disclosure

Texas Loan Guide may receive compensation from lenders and lending partners when you submit a loan request or click on certain links on our website. This compensation may influence which offers appear on our site and the order in which they are displayed. Our recommendations are based on rates, terms, and user reviews, but the presence of compensation may affect the placement and availability of certain products.

This compensation model allows us to provide our comparison service to consumers at no cost.

No Guarantee of Approval

Submitting a loan request through Texas Loan Guide does not guarantee approval. Each lender has its own eligibility criteria, and approval depends on factors including but not limited to credit score, income, employment history, existing debt obligations, and state of residence. Not all applicants will be approved.

State Availability

While Texas Loan Guide focuses on Texas, some of our lending partners serve consumers in other states. Not all products or services advertised on this site are available in all states. Residents of certain states may not be eligible for certain loan products. Please check with the specific lender regarding availability in your state.

Consumer Resources

If you have a complaint about a lender or need consumer assistance: