Who regulates personal loans in Texas?

The Texas Office of Consumer Credit Commissioner (OCCC) licenses consumer lenders under the Texas Finance Code. Visit occc.texas.gov for license lookup and consumer resources.

Does Texas have rate caps on personal loans?

Texas sets rate limits for consumer installment loans under the Finance Code. Verify current applicable caps with the OCCC at occc.texas.gov.

What credit score is needed for a personal loan in Texas?

Online lenders start at 580 FICO; bank and credit-union lenders require 640–660+. Texas's large credit-union sector (EECU, TDECU, University Federal CU) offers competitive rates for members.

How fast do personal loans fund in Texas?

Online lenders fund in 1–2 business days. Dallas, Houston, and Austin bank and credit-union lenders fund in 2–4 business days.

What are personal loans used for in Texas?

Debt consolidation, home improvement, vehicle repair, and major purchases are the top uses. Texas's growth also drives relocation and home-setup borrowing across its major metros.

Personal Loans in Texas

Texas is the second-largest state by population and GDP, with a vast economy spanning energy, tech, healthcare, and financial services. The largest metros (Houston, Dallas, Austin, San Antonio) each have highly competitive personal-loan markets.

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Personal Loans by state

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