Personal Loan Rates in Texas — From 5.99% APR
Personal loan rates in Texas range from 5.99% APR for excellent credit (750+) to 35.99% APR for fair credit (580–649). The only way to see your exact rate is to pre-qualify — PrimeLendings submits your profile to multipleTexas Office of Consumer Credit Commissioner (OCCC)-licensed lenders simultaneously, so you get competing offers with a single soft inquiry. Zero impact on your credit score.
What determines your rate: Your credit score is the primary factor, but lenders also weigh debt-to-income ratio, income stability, and employment type. Texas borrowers with a stable income source and a 600+ score typically qualify for rates between 10%–20% APR.
Rate cap note: Personal loans in Texas are governed by the Texas Finance Code and regulated by the OCCC. Lenders must be licensed and disclose all APRs and fees before signing. Rates are set by individual lenders in the Texas Office of Consumer Credit Commissioner (OCCC)-licensed network and disclosed in full before you sign.
Serving Houston, Dallas, Austin, San Antonio and all of Texas. Loan amounts $1,000–$50,000. Apply in 3 minutes — see your real rate today.
Personal Loans
TX — Bad Credit OK
Texas residents can get an instant decision today. Borrow up to $50,000 with fast approval — even with bad credit. Serving Houston, Dallas and all of Texas.
Texas Loan Estimator
Estimate your payment
Total interest: $2043 over 36 months
Personal Loans in Texas — How It Works
Securing a personal loan in Texas has never been easier. Our digital-first platform connects residents from Houston, Dallas, Austin, San Antonio with licensed lenders who focus on your overall financial health — not just your credit score.
Online Request
Complete our secure 3-minute form from any device.
Instant Decision
Get matched with Texas lenders instantly.
Funds Deposited
Receive cash in your account as soon as next business day.
Texas Loan Requirements & Eligibility
- Must be a Texas resident aged 18 or older
- Valid Texas state ID or driver's license
- Active US checking account open at least 30 days
- Verifiable income — employment, benefits, gig work, or self-employment
- Social Security number
Bad Credit Personal Loans in Texas
Don't let a low credit score hold you back. PrimeLendings specializes in matching Texas borrowers with bad credit personal loans. Our lenders evaluate employment history, income stability, and bank account history — giving you the best chance of approval.
Check My Rate — No Credit ImpactTexas Loan Rates: What to Expect
Personal loan rates in Texas vary based on creditworthiness, loan amount, and repayment term. PrimeLendings offers APRs from 5.99% up to 35.99%. Personal loans in Texas are governed by the Texas Finance Code and regulated by the OCCC. Lenders must be licensed and disclose all APRs and fees before signing.
| Credit Score | Typical APR Range | Max Loan Amount |
|---|---|---|
| 720+ (Excellent) | 5.99% – 12.99% | $50,000 |
| 660–719 (Good) | 13.00% – 19.99% | $35,000 |
| 600–659 (Fair) | 20.00% – 28.99% | $20,000 |
| Below 600 (Bad) | 29.00% – 35.99% | $10,000 |
Texas Lending Regulations
All personal loans offered through PrimeLendings in Texas comply with state law and are regulated by the Texas Office of Consumer Credit Commissioner (OCCC). Personal loans in Texas are governed by the Texas Finance Code and regulated by the OCCC. Lenders must be licensed and disclose all APRs and fees before signing. Lenders must disclose all APRs, fees, and repayment terms before you sign. Pre-qualification uses a soft credit pull only — no impact to your score.
More Texas Personal Loan Resources
Popular Personal Loan Uses in Texas
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Meet the Expert
Sarah Chen
“Over 10 years of experience in consumer lending and personal finance. Sarah leads the PrimeLendings editorial review process, ensuring all content is accurate, compliant, and useful for borrowers.”