Bad Credit Loan in Texas (TX)

Texas bad credit loans with quick and easy approval. See the funds in by the next business day direct deposited to your account. Complete our easy application and within minutes you may receive a loan offer from one of our lenders. If you like the terms you can agree to the loan and the money may be sent directly to your checking account. We have lenders ready to finance residents of TX.  

Texas poor credit loans are designed to help people with unsecured debt needs, no collateral required who have been struggling to procure the funding they need. Please use short term credit responsibly. The funding may be deposited directly to your bank account. Installment loans offer you the opportunity to make equal monthly payments over the coming months. You are not alone, let us try to match you with a lender. 

Poor Credit Installment Loan for Residence of Texas

Our lenders do not run a hard credit check. Your normal credit score is ran by placing an inquiry with the big 3 credit bureaus. Our lenders do not check this score. Also the loan application will not affect this score either. Our direct lenders may run a soft credit check to see if you have outstanding personal loans or past due payday loans.

Loans Amounts from $100 - $2500


Texas Bad Credit Loans | E-Signature | No Faxing

Each installment loan payment consists of principal and interest so your loan is always being paid down. You know exactly how much your short term loan in TX will cost and exactly what day it will be completely paid-off. In most cases you are not required to fax documents to get financing. You can use an e-signature to complete the loan documents. Saving you time and money so you don't have to run around town faxing. Get your signature loan directly to your bank account fast. 


Whether you are a Rangers fan or an Astros fan, we help citizens of Texas of all types get emergency loans that may otherwise be difficult to obtain. Types of loans available if you have bad credit include:

  • Personal Loans
  • Payday Loan - Cash Advance - Payday Advance
  • Installment Loans - Offered here through WireLend
  • Credit Union Loans
  • Pawnbroker Loan



Texas bad credit loans direct deposit to your bank account with monthly payments

Our lenders may direct deposit the money directly to to your bank account even if you have bad credit. Also known as an ACH transaction. You may see the money in your account by next business day. The application only takes a couple minutes and you may have the money you need to cover your financial needs. Texas installment loans may carry higher interest rates than other loan options.

When Should I Expect To See the Funds In My Account?

Our lenders us the ACH service to transfer money to your bank account. It is the same service used by employers to direct deposit paychecks. In order for the funds to go from the lenders account to your bank account it must be a normal banking day. So if you are approved for a loan on a holiday or on the weekend you will need to wait until the next banking day to receive funds. Usually Monday or Tuesday depending on the week. All information regarding funds should be clearly described in the loan contract, be sure to read it thoroughly.

Amarillo | Arlington | Austin | Beaumont | College Station | Conroe | Corpus Christi | Dallas | DeSoto | El Paso | Flower Mound | Fort Worth | Frisco | Garland | Georgetown | Grand Prairie | Grapevine | Houston | Irving | Killeen | Lubbock | Mansfield | McKinney | Mesquite | Midland | New Braunfels | Odessa | Pasadena | Pearland | Pflugerville | Pharr | Waco | San Antonio | Tyler | Plano

WireLend currently has direct lenders willing to lend in these cities and also many others in TX.

What Loan Terms Should I Expect With Bad Credit?

Complete the short application and if we are able to match you with a lender that loan company will thoroughly outline all terms of the contract including, interest rate, annual percentage rate (APR), period of time, number of payments, origination fee (if applicable), and prepayment penalties (if applicable). You credit score is not the determining factor with our lenders. Some items you will want to have available include your government issued photo ID, a proof of income, and proof of residency. State laws govern short term lending for poor credit borrowers. If you would like to review the laws in your state review your state's financial departments website. Click here to view statutes and regulations in Texas.

How do you get a loan approved in Texas if you have poor credit?

The first step is to complete the no obligation and free application. Once you submit the application you will either receive a loan offer, from one of our direct lenders, or we will simply tell you we were not able to match you with a lender at this time. Either way you have nothing to lose. You can decline any loan offers that you do not like.

Texas Laws and Statutes For Unsecured Loans. 


Sec. 342.201. MAXIMUM INTEREST CHARGE AND ADMINISTRATIVE FEE. (a) A loan contract under this chapter that is a regular transaction and is not secured by real property may provide for an interest charge on the cash advance that does not exceed the amount of add-on interest equal to the amount computed for the full term of the contract at an add-on interest amount equal to:

(1) $18 for each $100 per year on the part of the cash advance that is less than or equal to the amount computed under Subchapter C, Chapter 341, using the reference base amount of $300; and

(2) $8 for each $100 per year on the part of the cash advance that is more than the amount computed for Subdivision (1) but less than or equal to an amount computed under Subchapter C, Chapter 341, using the reference base amount of $2,500.

(b) For the purpose of Subsection (a):

(1) when the loan is made an interest charge may be computed for the full term of the loan contract;

(2) if the period before the first installment due date includes a part of a month that is longer than 15 days, that portion of a month may be considered a full month; and

(3) if a loan contract provides for precomputed interest, the amount of the loan is the total of:

(A) the cash advance; and

(B) the amount of precomputed interest.

(c) A loan contract under this chapter that is an irregular transaction and is not secured by real property may provide for an interest charge, using any method or formula, that does not exceed the amount that, having due regard for the schedule of installment payments, would produce the same effective return as allowed under this section if the loan were payable in equal successive monthly installments beginning one month from the date of the contract.

Read Chapter 342  in its entirety

Finance Commission of Texas
Attn: Executive Director
State Finance Commission Bldg.
2601 North Lamar
Austin, Texas 78705