Texas Personal Loans
Compare personal loan rates from lenders serving Texas (TX). Find the best rates and terms for your needs.
Personal Loans in Texas
Texas regulates consumer lending through the OCCC. While there's no hard usury cap, most regulated lenders operate within 36% APR. Texas is a large market with many lender options.
Max APR
36%
Avg. Loan
$11,000
Regulated By
Texas Office of Consumer Credit Commissioner
Popular Loan Purposes in Texas
Top Lenders in Texas
| Lender | APR Range | Loan Amount | Min. Score | Funding | Rating | |
|---|---|---|---|---|---|---|
| SoFi Borrowers with good credit who want zero fees | 8.99% – 25.81% | $5,000 – $100,000 | 680 | Same day to a few days | Check Rate | |
| LightStream Excellent credit borrowers wanting the absolute lowest rates | 7.49% – 25.49% | $5,000 – $100,000 | 700 | Same day (with bank account verification) | Check Rate | |
| Upgrade Fair-credit borrowers who want flexibility and joint applications | 9.99% – 35.99% | $1,000 – $50,000 | 580 | 1 – 5 business days | Check Rate | |
| Best Egg Good-credit borrowers who need fast funding | 8.99% – 35.99% | $2,000 – $50,000 | 640 | Same day to next business day | Check Rate | |
| Avant Borrowers with average credit (580–700) who need fast funding | 9.95% – 35.99% | $2,000 – $35,000 | 580 | Next business day | Check Rate | |
| Marcus by Goldman Sachs Good-credit borrowers who want zero fees and payment flexibility | 8.99% – 25.99% | $3,500 – $40,000 | 660 | 1 – 4 business days | Check Rate |
Texas Loan FAQs
Texas has a maximum APR of 36% for consumer loans. Texas regulates consumer lending through the OCCC. While there's no hard usury cap, most regulated lenders operate within 36% APR. Texas is a large market with many lender options.
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