Due to the upcoming bank holiday on Wednesday, 12/25, our support team will be unavailable, and payments due 12/25 may be affected. If you wish to make any payment modifications for Wednesday, 12/25, please do so by Monday, 12/23.

Customers approved after 12:00 p.m. CST on Tuesday, 12/24 through 11:59 a.m. CST on Thursday, 12/26 may be funded as soon as Thursday, 12/26.

Loans for Bad Credit
in Texas

We understand that securing a loan in Texas can be difficult with bad credit. That's why the OppLoans Lending Platform doesn’t rely solely on FICO® credit scores or credit history for funding decisions. Instead, we perform a soft credit check, so applying won't negatively impact your FICO® score.2

Loans from
$500-$4,000
Repayment term4
9-18 Months
APR
160% - 195%

The figures above are examples of our lending partner’s typical installment loan offers and do not serve as guarantee of any rates & terms that you may qualify for.

Trustpilot
Trustpilot

Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with OppLoans.

OppLoans is here to help Texans who may have a less-than-perfect credit score or cannot secure a loan through traditional lenders. In collaboration with our bank lending partners, the OppLoans Lending Platform expands credit access to the many credit-challenged individuals across Texas and the broader United States. Our platform can provide the financial support you might need to meet imminent financial obligations or cover unexpected expenses, such as car repairs or emergencies.

Why choose OppLoans for a loan in Texas

If your credit history isn't perfect, don't worry – we're here for you! Our dedication to outstanding customer service and financial inclusion enables us to assist those who might encounter closed doors at traditional financial institutions.

  • Easy to Apply: Apply online from start to finish with our simplified application process.
  • Same-Day Funding Available: If approved, you may receive money in your account as soon as the same business day!1
  • Loan Support At Every Step: Our top-rated Customer Advocates are available to provide support at every step of the application process.
  • No Hidden Fees: No origination fees. No application fees. No prepayment penalties.

Rates of our bank lending partners in Texas

The annual percentage rates (APR) for a personal loan in Texas offered by our bank lending partners and serviced through OppLoans ranges from 160% to 179%4. The OppLoans Lending Platform offers simple interest loans and may be able to work with you to structure a flexible repayment plan.

Visit our Texas Rates and Terms page for more details.

Do all personal loans in Texas require a credit check?

Traditional lenders typically require a credit check before approving an installment loan. The OppLoans Lending Platform may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. Neither credit inquiry will appear as a hard credit inquiry on your Experian credit report, and therefore they will not affect your FICO score. The OppLoans Lending Platform makes decisions based on an applicant’s overall creditworthiness.

Our system simplifies the borrowing process for individuals with less-than-perfect credit. Many banks and credit unions will not even consider a loan if your credit score is too low, but our lending partners will.

More About Texas

Texas is ranked 2nd among the 50 states in the US for Gross Domestic Product (GDP). As of 2023, the unemployment rate was at 3.9%, with a state sales tax rate of 6.25%, and Texas is 1 of 9 states that do not levy state income tax.

Since the discovery of the Spindletop oilfield in 1901, Texas has gained a reputation for its energy industry. In 2023 it was regarded as the top oil-producing state with almost two billion barrels produced (a record high). Texas has also been at the forefront of renewable energy initiatives, being the first state to adopt an energy efficiency resource standard (EERS) back in 1999. In 2022, it produced more renewable energy than any other state, accounting for 15% of the entire United States' total electricity generation from renewable sources.

Texas is home to some of the busiest shipping ports in the country, which play a crucial role in supporting its trade and logistics industry. The Port of Houston, one of the largest in the U.S., is a key gateway for international trade, handling large quantities of goods for import or export. The Ports of Corpus Christi and Galveston are also vital to the state's maritime commerce.

FAQs

Still Have Questions? Get in Touch

support_agent

Call Us

For questions about an active application, active loan, or general inquiries:

Call (800) 990-9130
forward_to_inbox

Email for New Customers

For questions relating to pre-application, application, and refinance:

Email info@opploans.com
forward_to_inbox

Email for Existing Customers

For questions about an existing account, including payments:

Email payments@opploans.com
shield

By clicking Continue, you will be taken to an external website that is not operated or managed by OppFi.

Please be advised that you will no longer be subject to, or under the protection of, OppFi's privacy and security policies. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of OppFi. Further, OppFi is not responsible for and does not endorse, guarantee, or monitor content, availability, viewpoints, products, or services that are offered or expressed on external websites.

Continue

California Residents, view the California Disclosures and Privacy Policy for info on what we collect about you.