Compare top lenders available to Texas borrowers. APRs from 5.9%, loans up to $100,000, with same-day funding available. Free to compare — no credit impact.
| Lender | APR Range | Loan Amount | Best For | Funding Speed | |
|---|---|---|---|---|---|
| LightStream Best Overall | 6.99%–24.49% | $5k–$100k | Excellent credit | Same day | Get Rate |
| SoFi No Fees | 8.99%–29.99% | $5k–$100k | Good credit | Same day | Get Rate |
| Marcus by Goldman Best Debt Consolidation | 6.99%–24.99% | $3.5k–$40k | Debt payoff | 1–4 days | Get Rate |
| Upstart Fair Credit OK | 7.8%–35.99% | $1k–$50k | Thin credit files | 1 day | Get Rate |
| LendingClub | 9.57%–35.99% | $1k–$40k | P2P financing | 2–4 days | Get Rate |
| Discover | 7.99%–24.99% | $2.5k–$40k | No origination fee | Next day | Get Rate |
| Best Egg | 8.99%–35.99% | $2k–$50k | Good credit & fast funding | Same day | Get Rate |
| OneMain Financial | 18%–35.99% | $1.5k–$20k | Bad credit / no credit | Same day | Get Rate |
APR ranges reflect each lender's advertised best and highest rates. Your actual rate depends on your credit profile, income, loan amount, and term. All lenders listed are licensed to operate in Texas.
Pre-qualifying checks your rate with a soft pull. Zero impact to your credit score until you formally apply.
LightStream and SoFi can fund Texas borrowers same day. Most lenders fund within 1–3 business days.
Our comparison is 100% free. We earn a referral fee from lenders — you pay us nothing.
We compare national and regional lenders all licensed and active in the state of Texas.
Consumer lending in Texas is regulated by the Texas Office of Consumer Credit Commissioner (OCCC). The Texas Finance Code Chapter 342, commonly called the Consumer Loan Act, governs regulated consumer installment lenders, while Chapter 393 covers credit access businesses (CABs) that broker small-dollar loans. Texas does not impose a single blanket APR cap on licensed lenders, but each chapter sets specific fee ceilings, disclosure rules, and licensing standards depending on loan size and structure. Unlicensed lending to Texas residents is prohibited, regardless of whether the lender operates from inside or outside the state.
Texas lenders must provide clear written disclosures of APR, finance charges, payment schedules, and any prepayment policies before you sign. Borrowers are also protected by federal rules including the Truth in Lending Act and the Fair Debt Collection Practices Act. If you believe a lender has overcharged you, failed to disclose terms accurately, or engaged in abusive collection practices, you can file a complaint with the OCCC online or by calling (800) 538-1579. The OCCC publishes a license verification tool so you can confirm any lender's registration before applying.
Yes. Personal loans are fully legal in Texas and regulated under the Texas Finance Code Chapter 342. Licensed consumer lenders must comply with disclosure requirements and borrower protections. Texas does not impose a blanket usury cap on licensed lenders, which means rates are market-driven. Always verify your lender is licensed with the Texas Office of Consumer Credit Commissioner (OCCC) before borrowing.
Most top-tier lenders like LightStream and Marcus prefer a score of 660 or higher. Upstart accepts scores as low as 580 and considers education and employment in its model. OneMain Financial has no stated minimum and also accepts secured loan applications. Generally, a 720+ score qualifies you for the best rates (under 10% APR), while scores below 620 will result in higher-cost offers from lenders like OneMain or Best Egg.
Same-day funding is available from LightStream and SoFi for applicants who complete the full process before 2:30pm ET. Best Egg also offers same-day funding. Most online lenders fund within 1–3 business days after approval. Funding speed depends on your bank's processing times — some banks post funds within hours of the wire, while others take an additional business day.
Yes. Several lenders in our network specialize in borrowers with bad or thin credit. Upstart uses an AI model that considers more than just your credit score. OneMain Financial accepts borrowers with poor credit and has branch locations across Texas for in-person support. Expect APRs in the 18%–35.99% range for bad-credit loans. A co-signer or collateral can help you qualify for better terms.
Yes. Companies making consumer loans to Texas residents must hold a license under the Texas Finance Code, typically Chapter 342 for regulated consumer lenders or Chapter 393 for credit access businesses (CABs). The Texas Office of Consumer Credit Commissioner (OCCC) issues these licenses and maintains a public searchable database. Before signing any loan agreement, verify your lender's OCCC license number. Report unlicensed lending activity or disclosure violations to the OCCC at (800) 538-1579.