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SuperMoney Debt Consolidation

5/5

$100 - $100,000

CS: 0 • 5.96% - 35.99%

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LendingforBadCredit

5/5

$100 - $40,000

CS: 0 • 5.99% - 35.99%

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SuperMoney

5/5

$100 - $100,000

CS: 0 • 5.96% - 35.99%

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SmartAdvances

5/5

$100 - $20,000

CS: 0 • 5.99% - 35.99%

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MoneyMutual

5/5

$100 - $5,000

CS: 0 • 5.99% - 35.99%

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Best Personal Loans for Bad Credit in Texas of September 2026

ZippyLoan Apply Now Amount: $100 - $15,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 72 Months Licensed in Texas: Yes Get started

Upstart Apply Now Amount: $1,000 - $50,000 Min. Credit Score: 300 APR: 5.6% - 35.99% Approval: 5 Minutes Terms: 3 - 5 Years Licensed in Texas: Yes Get started

LifeLoans Apply Now Amount: $100 - $40,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Texas: Yes Get started

VivaLoan Apply Now Amount: $100 - $15,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Texas: Yes Get started

NextDayPersonalLoan Apply Now Amount: $100 - $40,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Texas: Yes Get started

FundsJoy Apply Now Amount: $200 - $5,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: 5 Minutes Terms: 1 - 60 Months Licensed in Texas: Yes Get started

SuperMoney Apply Now Amount: $1,000 - $100,000 Min. Credit Score: 0 APR: 5.99% - 35.99% Approval: < 1 Day Terms: 12 - 120 Months Licensed in Texas: Yes Get started

PersonalLoans Apply Now Amount: $1,000 - $35,000 Min. Credit Score: 580 APR: 5.99% - 35.99% Approval: < 1 Day Terms: 90 Days - 72 Months Licensed in Texas: Yes Get started

Best Good Credit Loans in Texas of September 2026

SuperMoney Apply Now Amount: $1,000 - $100,000 Min. Credit Score: 0 APR: 4.99 - 35.99% Approval: 1 Day Terms: 12 - 120 months Licensed in Texas: Yes Get started

Prosper Apply Now Amount: $2,000 - $40,000 Min. Credit Score: 640 APR: 7.95% - 35.99% Approval: 1 - 3 Days Terms: 36 - 60 months Licensed in Texas: Yes Get started

Credible Apply Now Amount: $1,000 – $100,000 Min. Credit Score: 0 APR: 4.99 - 35.99% Approval: 1 Day Terms: 12 - 120 months Licensed in Texas: Yes Get started

PersonalLoans Apply Now Amount: $1,000 – $35,000 Min. Credit Score: 580 APR: 5.99% – 35.99% Approval: < 1 Day Terms: 90 Days – 72 Months Licensed in Texas: Yes Get started

LendingTree Apply Now Amount: $1,000 – $50,000 Min. Credit Score: 500 APR: 3.99% – 35.99% Approval: < 1 Day Terms: 1 – 5 Years Licensed in Texas: Yes Get started

Upgrade Apply Now Amount: $1,000 – $50,000 Min. Credit Score: 600 APR: 7.99% - 35.97% Approval: < 1 Day Terms: 3 - 5 Years Licensed in Texas: Yes Get started

PayOff Apply Now Amount: $5,000 – $35,000 Min. Credit Score: 640 APR: 5.99% – 24.99% Approval: 1 – 7 Days Terms: 2 - 5 Years Licensed in Texas: Yes Get started

Discover Apply Now Amount: $2,500-$35,000 Min. Credit Score: 660 APR: 6.99-24.99% Approval: 1 Day Terms: 24 - 84 Months Licensed in Texas: Yes Get started

Freedomplus Apply Now Amount: $7,500 - $40,000 Min. Credit Score: 680 APR: 6 - 15% Approval: 1 - 7 Days Terms: 36 - 84 months Licensed in Texas: Yes Get started

Payday Loan Laws in Texas of September 2026

According to the law in the state of Texas, payday loans are legit but regulated.

But this regulation is only technical. Actually, the law allows payday loans to be provided in a very high range. Here is what the law allows:

• Very high APR of 662%.
• No highest amount is set.
• No loan terms are specified.

The financial charges that the law allows are very high too. Here they are:

• >$30 => $1 for each $5
• [$30 – $100] => 1/10 of the loan amount + $3 /mo (<$35)
• [$35 – $70] => $3.50/mo + $4/mo (>$70)
• >$100 => $10 + $4/mo for each $100

This actually makes the payday loan industry in the state of Texas running with no problems! In Texas, the number of payday lenders per 100,000 people is one of the highest in the US.

In states where payday loans are legit or are not thigh regulated, the chance of people’s debt cycle is high. That’s why we at ElitePersonalFinance recommend you to be careful with payday loans.

We at ElitePersonalFinance highly recommend that you read our guide on bad credit loans. Do you know that there are many legit options to get a personal loan even if you have bad credit? We can help.

Restrictions

The law in the state of Texas try to protect people from predatory loans and the debt cycle in a few ways:

• No rollovers are allowed.
• Lenders have to be licensed.
• Lenders have to provide a contract, where they disclose all rates and fees carefully.
• In case of fraud or any illegal actions from a lender, the law provides few options. People can file a complaint at The Texas Office of Consumer Credit Commissioner or the Texas Attorney General’s Office.

Payday Loan Laws in Texas by Country of September 2026

ElitePersonalFinance analysis of payday loan laws by countries in the State of Texas.

We haven’t found a significant difference between the payday loan laws in Texas. If you are with bad credit, here are the laws in Texas by country.