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Best Bad-Credit Loan Lenders in Texas

MoneyGeek examined over 30 data factors to identify the best Texas lenders for bad-credit loans. Among the data points are APR ranges, loan amounts, payback period and fees. We also analyzed the key features that might influence your loan acceptance prospects, such as minimum credit score criteria and maximum debt-to-income ratios.

Best Overall Bad-Credit Loan in Texas: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds


Runner-Up for Best Bad-Credit Loan in Texas: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds


How to Choose the Best Bad-Credit Loan in Texas for You

A personal loan is an excellent way to address a variety of unexpected expenses. According to MoneyGeek's data, the average amount owed on a personal loan in the Lone Star State is $15,505. However, consider your financial condition before applying for your loan. We suggest taking the following steps if you're looking for a bad-credit lender in Texas.


Ask Yourself the Important Questions

With so many lenders, it can be challenging to figure out the best fit for you. To make this decision a little easier, ask yourself these questions:

  • How much funding do you need? The amount of money you require will dictate your choice of lender.
  • What’s your credit score? Your credit score will determine whether or not you qualify for the loan and how high your interest rate might be.
  • Can you afford the monthly payments? Just because you are looking for loans with bad credit doesn’t mean they have to come at the expense of other financial obligations. Ensure you can pay the monthly installments with interest.
  • Do you have existing debts? Consider debt consolidation as an option if you owe other loans since rates are typically lower when debts are combined into one monthly payment.
  • Is your debt manageable through other means? Consider other options for managing your debt before applying for loans with bad credit.

Do Your Research

There are many different types of loans, so it's important to find one that works best for your needs. Research and compare interest rates, terms and eligibility requirements. With our free calculator, you can easily estimate your monthly payments, interest rate and how long it'll take to pay off the loan.


Read the Fine Print

Before you sign any paperwork, read the fine print to learn what your loan agreement entails and how much it will cost. It's also wise to request a full list of all charges associated with the loan before deciding which lender is right for you.



Many borrowers feel pressured to take the first loan offer. Instead, wait a day or two before deciding which lender to work with.



Once you are comfortable with your choice of lender, it's time to apply. Most lenders require identification, address verification and proof of income during the application process. Although applying online may be more convenient for some, you can also phone or visit the lender when possible.

What to Do if You Can’t Get a Bad-Credit Loan in Texas

Your application may be denied for various reasons, including providing inadequate information, insecure employment or a high debt-to-income ratio. Ask the lender why your loan application was declined. You may be able to fix the issue and apply for a loan again or adjust the loan parameters, such as amount or payment period.

You can also choose to apply with another lender, but you’ll need to fix any issues that caused the denial in the first place. In addition, MoneyGeek advises against taking out payday loans. Although these loans are easy to get, they feature exorbitantly high APRs and short payback periods, which may result in further debt and harm your credit score.

Calculate Your Monthly Payment

Lenders generally require you to pay your loan monthly, including interest. Before applying for a loan, use MoneyGeek's personal loan calculator to estimate your monthly cost.



+ $114.98


+ $8.33

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Origination Fee Fixed amount


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FAQs About Bad-Credit Loans in Texas

Finding a lender who will approve your loan can take time and effort when you have bad credit, and the rates are often high. But some lenders are willing to work with people with less-than-perfect credit. MoneyGeek answers the most frequently asked questions about bad-credit loans in Texas.


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MoneyGeek evaluated over 30 personal loan lenders using at least 35 data points in six major categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

Within each rating area, we analyzed several data points that, in our opinion, bear the greatest weight when selecting a personal loan provider. These factors include APR ranges, accessible loan amounts, minimum credit score requirements, minimum income prerequisites, application costs and disbursement time.

At MoneyGeek, we value you, the consumer, so we also consider each lender's customer service, company ratings and other features that may make your experience more convenient, like prequalification, payment alternatives and mobile applications.

After deliberation and calculation, our recommendations are made with your best interests in mind. Our personal loan recommendations and professional advice are intended to assist you in making more prudent financial choices when selecting a lender that suits your requirements.


The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.