Review 370 credit repair companies, personal lenders, and financial services in Houston, Texas. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.
ASAP Credit Repair is a Houston, TX-based credit repair firm. 2,461 Google reviews. Not BBB rated or accredited. Offers dispute services for all three bureaus.
Google rating from 2,461 reviews
Profile signals: Houston-area residents seeking local credit repair services, Consumers with credit report errors needing dispute assistance
Independent Texas mortgage lender offering wholesale rates, zero junk fees, and rate lock stated terms for home purchases and refinances.
Google rating from 358 reviews
Profile signals: Texas homebuyers seeking mortgage pre-approval with listed fee structures, Current homeowners in Texas considering refinance with rate monitoring
Houston-based bankruptcy law firm specializing exclusively in Chapter 7 and Chapter 13 filings since 1999. Led by Christopher T. Morrison with a focus on debt relief and financial fresh starts.
Google rating from 177 reviews
Profile signals: Texas residents overwhelmed by debt and creditor harassment seeking Chapter 7 or Chapter 13 filing, Individuals skeptical of debt consolidation or loan modification schemes preferring legal bankruptcy protection
Houston-based 501(c)(3) nonprofit providing free financial education, coaching, and matched savings programs to help lower-income families achieve homeownership and build long-term financial resilience.
Google rating from 8 reviews
Profile signals: Lower-income Houston-area working families serious about homeownership within 1-5 years, First-time homebuyers with subprime credit who need structured credit improvement and savings matching
Non-profit credit counseling agency in Houston offering free financial and homebuyer education classes, pre-purchase counseling, and financial coaching to low and moderate-income consumers.
Google rating from 3 reviews
Profile signals: Low and moderate-income Houston-area residents preparing to buy a home, Consumers needing homebuyer education certificate to satisfy lender or program requirements
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 13 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
1% Cambiamos Cheques offers check cashing and money transfer services across Houston locations with an advertised 1% flat fee and same-day cash access.
Profile signals: Unbanked workers who need immediate access to paychecks without a bank account, International money senders supporting family abroad seeking Western Union or MoneyGram services
1% Cambiamos Cheques offers check cashing and money transfer services in Houston, TX with a flat 1% fee and same-day cash access.
Profile signals: Unbanked or underbanked Houston residents who need immediate check access without a bank account, Workers (salaried, gig, or contract) who prefer to avoid bank processing delays for paycheck access
A One Check Cashers provides check cashing, money transfers, money orders, and prepaid cards at multiple locations. Fast money services with eligibility claim to verify.
Profile signals: Unbanked individuals without traditional bank accounts who are researching short-term cash access, Consumers needing fast money transfers to domestic or international recipients
A-1 Check Cashing provides check cashing, money transfers, money orders, and prepaid cards at multiple locations. short-term cash access services with eligibility claim to verify.
Profile signals: Unbanked consumers without traditional bank accounts researching short-term cash access, Underbanked individuals seeking convenient money transfer and bill payment services
A1% Check Cashers provides check cashing, money transfers, money orders, and prepaid card services at multiple locations with fast processing.
Profile signals: Unbanked and underbanked consumers without traditional bank accounts, People researching short-term cash access without waiting for check deposits to clear
A1 Check Cashing is a Houston-area check cashing network with 26 locations offering basic financial services including check cashing, money orders, and wire transfers.
Profile signals: Unbanked or underbanked Houston-area residents needing immediate check cashing access, Customers who value location convenience through gas station and grocery store co-locations
Houston Loan and Jewelry is a pawn shop offering collateral-based loans against jewelry, gold, and other valuables with quick funding and eligibility claims to verify.
Google rating from 342 reviews
Profile signals: Consumers with no credit history or damaged credit comparing emergency-cash timing, Individuals with valuable jewelry or gold items they can temporarily part with for immediate funding
Houston Pawn Sharpstown is a pawn shop offering collateral-based loans, jewelry and watch sales, and layaway services since 2007. Located at 7303 Bellaire Blvd, they provide short-term cash access solutions for customers in financial need.
Google rating from 485 reviews
Profile signals: Customers with high-value jewelry, watches, or designer items who are researching short-term cash access and can afford repayment, Shoppers seeking pre-owned luxury goods at discounted prices (jewelry, watches, handbags)
Family-owned pawn shop chain operating 19 locations across Houston, Dallas, Irving, and Fort Worth since 2006. Offers collateral-based loans, jewelry repair, firearms transfers, and merchandise sales.
Google rating from 2,429 reviews
Profile signals: Business owners and self-employed individuals needing short-term emergency cash without loan application delays, People with valuable items (jewelry, electronics, instruments, tools) who prefer short-term cash access over traditional lending
Family-owned pawn shop chain operating 19 locations across Houston, Dallas, Irving, and Fort Worth since 2006. Provides collateral-based loans, buys jewelry and luxury goods, and offers related financial services.
Google rating from 1,803 reviews
Profile signals: Individuals needing short-term cash against portable collateral (jewelry, electronics, instruments), Business owners seeking quick working capital with eligibility claims to verify or lengthy approval processes
Family-owned pawn shop chain operating 14+ locations across Houston, Dallas, Irving, and Fort Worth since 2006, offering collateral-based loans, jewelry repair, and merchandise sales.
Google rating from 1,584 reviews
Profile signals: Individuals with valuable items (jewelry, electronics, instruments, firearms) researching short-term cash access with eligibility claims to verify, People in temporary financial gaps who can reliably retrieve pawned items within loan period
Houston-area pawn chain offering same-day collateral loans, jewelry repair, and FFL firearm transfers across 19 locations in Houston and DFW metro.
Google rating from 5,478 reviews
Profile signals: Houston or DFW residents needing same-day cash with eligibility claims to verify or income verification, Bargain shoppers seeking discounted jewelry, electronics, luxury goods, or firearms at resale prices
Car title loan lender in Houston offering short-term cash access loans ($125-$10,000) secured by vehicle equity with provider-stated funding timing and eligibility claim to verify.
Google rating from 382 reviews
Profile signals: Vehicle owners with paid-off cars facing short-term cash access emergencies who cannot access traditional bank loans, Consumers with poor credit who need fast funds and have significant vehicle equity
Houston-based loan marketplace connecting borrowers with payday and short-term lenders. Offers $100–$5,000 loans with no upfront fees and listed funding timing.
Google rating from 16 reviews
Profile signals: Borrowers facing genuine one-time emergencies (car repair, medical bill, eviction threat) who report limited alternatives, Individuals with poor credit who are researching funding timing and may not meet traditional personal-loan criteria
Online personal loan marketplace connecting borrowers with lenders offering $1,000–$50,000 loans with funding in as fast as 24 hours. No application fees.
Google rating from 3 reviews
Profile signals: Borrowers seeking personal-loan profile details who want to avoid multiple applications across different lenders, Individuals with flexible credit profiles looking to compare multiple lending offers simultaneously
Houston's TitleMax Title Loans at 3517 Little York Rd Unit 6 provides short-term cash access title loans for residents needing short-term funds.
Google rating from 65,437 reviews
Profile signals: Consumers with urgent expense research ($500-$5,000 range) and limited credit access who own a vehicle with clear title, Borrowers facing unexpected medical, utility, or emergency expenses with poor credit history
Truth Title Loans provides small personal title loans in Houston with a focus on rate claims to verify and ethical lending practices.
Google rating from 4 reviews
Profile signals: Customers with short-term cash needs ($500-$5,000 range) who own a vehicle outright, People who may not meet traditional personal-loan criteria and are comparing listed funding timing
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Google rating from 295 reviews
Profile signals: Consumers in Houston, Texas looking for personal lending services, People who prefer working with a local personal lending provider
Memorial Credit Union is a federally-chartered credit union offering savings, checking, loans, credit cards, and mortgages to members in the Houston area with rate claims to verify and digital banking tools.
Google rating from 23 reviews
Profile signals: Houston-area residents seeking competitive auto financing with extended drive-thru service hours, Members who qualify for credit union membership and want comprehensive digital banking and lending options
First Community Credit Union offers checking, savings, loans, and credit cards to members. A full-service credit union with online/mobile banking and multiple loan products.
Google rating from 212 reviews
Profile signals: Individuals seeking a full-service credit union with multiple loan and deposit products, Members who prefer mobile and online banking for account management
Members Trust Federal Credit Union is a full-service credit union serving Houston Heights and Stephenville, TX since 1936, offering loans, savings, checking, and digital banking.
Google rating from 49 reviews
Profile signals: Texas residents in Houston Heights or Stephenville seeking relationship-based mortgage lending, First-time homebuyers with credit scores below 640 who struggle to qualify at traditional lenders
Houston-based credit union offering member-owned banking with low-rate auto loans, mortgages, home equity lines, and checking accounts since 1934.
Google rating from 575 reviews
Profile signals: Texas residents in Brazoria, Fort Bend, Harris, or Montgomery Counties seeking relationship banking with low auto loan rates, Member-owners who value cooperative financial institutions with community focus over corporate banking structures
Texas Bay Credit Union is a federally-chartered credit union offering personal and business banking, loans, mortgages, and insurance services to members in the Texas area.
Google rating from 866 reviews
Profile signals: Texas-based consumers seeking a member-owned alternative to traditional banks with competitive lending rates, Auto buyers looking to combine vehicle shopping with financing through one platform
First Community Credit Union's Alief branch offers traditional credit union banking services including deposits, withdrawals, and video teller services at a temporary location during renovations.
Google rating from 824 reviews
Profile signals: Houston-area residents seeking traditional credit union banking with convenient drive-thru access, Members who need Saturday banking hours and extended weekday drive-thru availability
ASAP Credit Repair is a Houston, TX-based credit repair firm. 2,461 Google reviews. Not BBB rated or accredited. Offers dispute services for all three bureaus.
Google rating from 2,461 reviews
Profile signals: Houston-area residents seeking local credit repair services, Consumers with credit report errors needing dispute assistance
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Google rating from 15 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Houston-based credit repair firm with 18+ years experience disputing inaccurate items on credit reports to help clients qualify for better loan rates and mortgages.
Google rating from 1 review
Profile signals: Houston-area residents seeking in-person credit repair consultations and guidance, Consumers with multiple negative credit issues (collections, foreclosures, judgments, tax liens) needing coordinated dispute strategy
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Google rating from 16 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Crédito Texas is a Spanish-language credit repair company offering dispute services, credit counseling, and financial education courses to give clients credit-score context to review and qualify for better loan rates.
Google rating from 155 reviews
Profile signals: Spanish-speaking consumers in Texas with credit damage who prefer in-person guidance and personalized service, Individuals seeking to qualify for mortgage or auto loans and willing to work on credit repair first
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Google rating from 12 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Loan For Any Purpose Houston, TX — Multi-product lender offering personal loans up to $50K, title loans, installment loans, and payday advances with sam...
Google rating from 378 reviews
Profile signals: Borrowers with poor or bad credit seeking emergency cash ($250–$1,000) quickly, Vehicle owners needing larger amounts ($1,000–$50,000) willing to pledge title as collateral
Cash Store Houston, TX — Cash Store offers unsecured installment loans with provider-stated funding timing at physical locations. They serve customers with various cr...
Google rating from 638 reviews
Profile signals: Borrowers with bad credit or thin credit files comparing personal-loan profile details, Houston-area residents seeking provider-stated funding timing for unexpected expenses or consolidation
Custom Loans offers personal installment loans in Houston with flexible approval that doesn't automatically disqualify applicants with bad credit.
Google rating from 677 reviews
Profile signals: Houston-area residents with bad or challenged credit seeking emergency or large-purchase financing, Borrowers who need flexible approval and prefer in-person service options
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Google rating from 423 reviews
Profile signals: Consumers in Houston, Texas looking for personal lending services, People who prefer working with a local personal lending provider
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 551 reviews
Profile signals: Consumers in Houston, Texas looking for personal lending services, People who prefer working with a local personal lending provider
Houston-based installment lender offering unsecured personal loans up to $1,700 with 12-month repayment terms. Regulated by Consumer Credit Commission with rates significantly lower than payday lenders.
Google rating from 75 reviews
Profile signals: Borrowers in Houston, Texas seeking installment loans under $1,700 who want faster approval than traditional banks, Consumers with poor or limited credit seeking an alternative to payday lenders with lower rates and longer repayment terms
FDIC-insured national bank headquartered in Houston specializing in business and personal banking with 100% deposit reinvestment into local small and mid-sized businesses.
Profile signals: Houston-area small business owners seeking personalized lending and banking services, Entrepreneurs who value local community reinvestment and MDI banking principles
American First National Bank is a traditional bank offering retail and commercial banking services across multiple locations in Texas and Nevada, with online and mobile banking access.
Profile signals: Retail customers in Texas (Houston, Dallas, Plano, Arlington, Katy, Sugar Land areas) seeking traditional banking, Customers in Las Vegas or Pahrump, Nevada requiring local bank relationships
Smart Financial Credit Union offers auto loans and refinancing in Houston with rates starting at 3.99% APR, plus vehicle purchase guidance and flexible loan terms.
Profile signals: Houston-area residents seeking to refinance existing auto loans at lower rates, First-time auto buyers in Texas who want pre-approval and dealer negotiation leverage
Bank of Houston is a locally-owned community bank offering personal and business banking services, including checking, savings, treasury management, and online account access.
Profile signals: Small business owners in the Houston area seeking personalized treasury management and business banking, Houston-area residents preferring local community banking with direct relationship managers
Capital One is a major bank offering checking, savings, credit cards, auto loans, and business banking with widespread branch and ATM access.
Profile signals: Customers seeking a full-service bank with both physical branch access and digital banking convenience, Business owners needing comprehensive business banking and commercial services
Central Bank Houston, TX — Houston-based independent bank chartered in 1956, offering personal and business banking with four local branches. Focused on...
Profile signals: Houston-based small business owners seeking personalized, local relationship banking with industry experience context, Local Houston residents wanting to support an independent community bank with four convenient branch locations
Houston-based bankruptcy law firm specializing exclusively in Chapter 7 and Chapter 13 filings since 1999. Led by Christopher T. Morrison with a focus on debt relief and financial fresh starts.
Google rating from 177 reviews
Profile signals: Texas residents overwhelmed by debt and creditor harassment seeking Chapter 7 or Chapter 13 filing, Individuals skeptical of debt consolidation or loan modification schemes preferring legal bankruptcy protection
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 146 reviews
Profile signals: Consumers in Houston, Texas looking for credit building services, People who prefer working with a local credit building provider
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 399 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Texas-based law firm offering debt defense, creditor lawsuit representation, and debt negotiation as alternatives to bankruptcy, serving clients across Texas with a focus on avoiding formal filing.
Google rating from 114 reviews
Profile signals: Texas residents facing active creditor lawsuits or garnishment who want to avoid bankruptcy filing, Individuals experiencing illegal debt collector harassment or FDCPA violations
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Google rating from 1,336 reviews
Profile signals: Consumers in Houston, Texas looking for credit building services, People who prefer working with a local credit building provider
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 112 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Houston-based 501(c)(3) nonprofit providing free financial education, coaching, and matched savings programs to help lower-income families achieve homeownership and build long-term financial resilience.
Google rating from 8 reviews
Profile signals: Lower-income Houston-area working families serious about homeownership within 1-5 years, First-time homebuyers with subprime credit who need structured credit improvement and savings matching
Non-profit credit counseling agency in Houston offering free financial and homebuyer education classes, pre-purchase counseling, and financial coaching to low and moderate-income consumers.
Google rating from 3 reviews
Profile signals: Low and moderate-income Houston-area residents preparing to buy a home, Consumers needing homebuyer education certificate to satisfy lender or program requirements
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 13 reviews
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 1 review
Profile signals: Consumers in Houston, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Houston-based nonprofit providing free homebuyer education, counseling, and affordable housing development to help low-income families build wealth through homeownership.
Google rating from 86 reviews
Profile signals: First-time homebuyers in Houston seeking free education and counseling without product pressure, Low-to-moderate income families looking to build wealth through affordable homeownership
Harris County Housing & Community Development offers government-backed affordable housing, homeownership programs, and disaster recovery assistance for eligible residents.
Google rating from 55 reviews
Profile signals: Harris County residents rebuilding after disaster (particularly flood-prone areas), First-time homebuyers in low- to moderate-income households seeking down payment help
Texas-based hard money lender specializing in fix-and-flip, bridge, and transactional funding loans for real estate investors with closings in as little as two days.
Google rating from 14 reviews
Profile signals: Real estate investors seeking fix-and-flip or bridge financing in Houston, Dallas, or Austin, First-time property investors who need guidance through the hard money lending process
Quick Lending is a hard money lender specializing in short-term, asset-based loans for real estate investors in Texas. They offer residential, commercial, and construction financing with closing in as little as five days.
Google rating from 70 reviews
Profile signals: Real estate investors and house flippers needing rapid capital for property acquisition and renovation, Commercial real estate investors purchasing multi-unit apartments, retail, or industrial properties
Simplending Financial is a nationwide private money lender specializing in real estate investment financing, offering fix-and-flip, rental, bridge, and ground-up construction loans with 3-5 business day funding.
Google rating from 62 reviews
Profile signals: Experienced real estate investors needing quick funding for fix-and-flip properties, Real estate professionals scaling their portfolio who need capital faster than traditional lenders
Tidal Loans is a Houston-based hard money lender offering short-term, asset-based loans for real estate investors nationwide, specializing in fix-and-flip and rental property financing.
Google rating from 99 reviews
Profile signals: Experienced real estate investors seeking fast financing for fix-and-flip projects, Property investors needing cash-out refinance to fund portfolio expansion
Houston Business Development Inc (HBDI) is a mission-driven nonprofit providing small business loans, coworking space, and entrepreneur training since 1986.
Google rating from 20 reviews
Profile signals: Houston-area small business owners seeking below-market financing with community development alignment, Early-stage entrepreneurs needing integrated support (capital + training + workspace) rather than financing alone
Tax preparation and bookkeeping firm specializing in trucker taxes, business formation, and tax planning for high earners and low-income families.
Profile signals: Owner-operators and trucking industry professionals seeking listed tax knowledge, Small business owners needing help with entity formation and tax structure planning
Independent Texas mortgage lender offering wholesale rates, zero junk fees, and rate lock stated terms for home purchases and refinances.
Google rating from 358 reviews
Profile signals: Texas homebuyers seeking mortgage pre-approval with listed fee structures, Current homeowners in Texas considering refinance with rate monitoring
Iglesias Loans specializes in commercial real estate financing for churches and nonprofit organizations, offering purchase, construction, refinance, and consolidation loans with experience context in nonprofit financial qualification.
Google rating from 83 reviews
Profile signals: Churches seeking to purchase property, expand facilities, or refinance existing loans, Nonprofit organizations struggling to qualify for commercial real estate loans through traditional banks
Paul Vincent is a loan originator at PrimeLending offering personalized mortgage guidance for home purchases, refinances, renovations, and VA loans across multiple loan products.
Google rating from 5 reviews
Profile signals: First-time homebuyers with 20% down payment, W-2 income, and strong credit seeking conventional mortgage financing, Military service members and veterans interested in VA loan options with personalized guidance
Owner Finance Company offers alternative home financing across Texas for buyers rejected by traditional lenders, with approval in 24-48 hours and no credit score requirements.
Google rating from 18 reviews
Profile signals: Buyers with poor credit histories or recent bankruptcy who need homeownership access quickly, Foreign nationals and international buyers unable to access traditional U.S. mortgage financing
Texas-based hard money and asset-based lender specializing in fast real estate investment financing, offering short-term rehab loans and long-term DSCR loans nationwide.
Google rating from 218 reviews
Profile signals: Real estate investors seeking fast capital for fix-and-flip or rehab projects on tight timelines, Landlords purchasing or refinancing multiple rental properties focusing on cash flow rather than personal income documentation
Family-owned hard money lender in Houston since 1982, specializing in collateral-based loans for real estate investors and commercial borrowers who need fast funding.
Google rating from 13 reviews
Profile signals: Commercial real estate investors needing quick bridge financing for acquisitions, Land investors and wholesale buyers requiring fast closing to secure opportunities
Texas-based debt settlement and consolidation staff context for higher-income earners with $30K–$300K+ in credit card and personal loan debt, offering negotiated balance reductions and 12–60 month resolution timelines.
Google rating from 8 reviews
Profile signals: Texas residents with $30K–$300K in high-interest credit card or personal loan debt, Higher-income earners (household income $50K+) seeking debt settlement rather than bankruptcy
Texas-based debt settlement company offering negotiated debt reduction and credit counseling for higher-income earners with $50K-$300K+ in unsecured debt.
Google rating from 7 reviews
Profile signals: Texas residents with $50,000-$300,000+ in high-interest credit card and unsecured personal loan debt, Higher-income earners overwhelmed by multiple creditor accounts seeking negotiated debt reduction
Beyond Finance offers debt settlement and consolidation services designed to reduce monthly payments and help consumers exit debt faster through personalized negotiation programs.
Google rating from 13,272 reviews
Profile signals: Consumers with multiple debts seeking payment reduction without bankruptcy, People struggling with high monthly payments and interested in debt consolidation
Houston-based tax debt relief firm offering IRS negotiations, offer in compromise settlements, and back tax resolution through attorneys and enrolled agents.
Profile signals: Individuals with significant back tax debt and IRS collection actions (wage garnishments, liens, levies), Business owners with corporate or payroll tax liabilities needing OIC negotiations
High Rise Financial provides pre-settlement lawsuit loans to personal injury claimants awaiting case resolution, offering non-recourse funding that doesn't require repayment if the case is lost.
Profile signals: Personal injury plaintiffs facing financial hardship while awaiting settlement who may not meet traditional credit criteria, Accident victims with case details to verify researching short-term cash access for medical bills or living expenses during litigation
Houston-based debt relief company offering personalized debt settlement and negotiation services, partnered with Acosta Law PC for bankruptcy assistance when needed.
Profile signals: Spanish-speaking individuals with unsecured debt seeking settlement rather than bankruptcy, Houston-area residents with $10K-$100K+ in credit card or personal debt
1020 Farm to Market 1960 Rd W in Houston, TX hosts CoinFlip Bitcoin ATM - Senor Check Cashing #14, your local Bitcoin buying and selling location with extended hours.
Profile signals: Cryptocurrency buyers who prefer cash transactions over online exchanges, Customers already familiar with cryptocurrency and crypto wallet setup
Houston, TX's CoinFlip Bitcoin ATM - Senor Check Cashing # 17 at 4203 Aldine Mail Rte Rd provides cryptocurrency exchange services.
Profile signals: Cash-preferring individuals wanting to enter cryptocurrency without a traditional bank account, Houston-area residents seeking convenient weekday afternoon or evening crypto purchases
myFICO is the official FICO consumer division offering credit score tracking, monitoring, and identity theft protection across tiered subscription plans.
Profile signals: Consumers actively managing credit who want to see real-time impact of payments and credit decisions, Homebuyers and refinancers using mortgage-specific scores to monitor qualification
HomeCertain provides a free online portal to generate credit repair letters and track progress, with optional premium credit report purchasing through technology partners.
Profile signals: DIY-focused consumers who understand credit dispute processes and prefer self-service tools, Credit-savvy individuals seeking affordable letter templates and progress tracking without active representation
JC's Credit Repair disputes inaccurate items on credit reports to help consumers improve their credit scores. Based in Houston, they offer free consultations and claim to increase scores within 45 days.
Profile signals: Consumers with disputes about inaccurate negative items on their credit reports who want professional representation, People in the Houston area who prefer to work with companies they can meet with in person
Texas-based installment lender offering 6-12 month personal loans up to $1,480 with provider-stated funding timing and credit bureau reporting since 1997.
Google rating from 209 reviews
Profile signals: Texas residents with poor or no credit seeking to build credit history while accessing short-term funds, Borrowers trapped in payday loan cycles looking for longer repayment terms and lower listed-cost context
Texas Consumer Protections: Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Interest Rate Cap: Texas usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses.
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Texas Attorney General Consumer Protection Division.
Use these guides with local pages, state rules, and provider profiles before contacting a company.
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