TX borrowing guide
Loans in Texas
Understand the federal baseline, state-specific high-cost lending landscape and where to verify a lender’s license.
Payday lending snapshot
Licensed payday lending may be available
Deferred-deposit or payday products may be available from licensed providers. Loan size, fees, term, renewals, databases, and repayment plans can be limited by state law. Always verify the product and provider with Texas Office of Consumer Credit Commissioner.
Product library
Texas loan guides
Personal loans
Understand personal loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Everyday borrowingSecured personal loans
Understand secured personal loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Everyday borrowingDebt consolidation loans
Understand debt consolidation loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Everyday borrowingCredit-builder loans
Understand credit-builder loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Everyday borrowingConsumer installment loans
Understand consumer installment loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Short-term & high-costPayday loans
Understand payday loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Short-term & high-costAuto title loans
Understand auto title loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Short-term & high-costPawn loans
Understand pawn loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Vehicle financingAuto loans
Understand auto loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Home financingConventional mortgages
Understand conventional mortgages in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Home financingFHA, VA and USDA home loans
Understand fha, va and usda home loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Home financingHome equity loans
Understand home equity loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Home financingHome equity lines of credit (HELOCs)
Understand home equity lines of credit (helocs) in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Home financingReverse mortgages
Understand reverse mortgages in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → EducationFederal student loans
Understand federal student loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → EducationPrivate student loans
Understand private student loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → BusinessSmall business loans
Understand small business loans in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Everyday borrowingBuy now, pay later
Understand buy now, pay later in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide → Short-term & high-costCredit card cash advances
Understand credit card cash advances in Texas: state rules, lender checks, costs, risks, alternatives and questions to ask before applying.
Read TX guide →