Less than Perfect Credit?

Bad Credit Loans in Texas Can Help.

Find relief with bad credit loans, regardless of your credit score. Start overcoming your financial challenges today.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus

Join the growing number of customers in Texas who rebuilt their financial history.

What are Bad Credit Loans?

Bad credit loans are available to consumers with low credit scores, generally from 500-625. If that’s you, you may qualify for a loan with Wise Loan. These loans serve as a critical lifeline, providing access to necessary funds for emergencies, unexpected expenses, or personal financial recovery. Unlike conventional loans, bad credit loans in Texas are tailored to accommodate the unique circumstances of each applicant, offering a chance to borrow and improve one’s financial standing. With Wise Loan, you can borrow amounts ranging from $500 to $1,500, ensuring you have the support needed to navigate your financial journey.

How It Works

Securing a bad credit loan in Texas through Wise Loan is straightforward and designed for your convenience.

1

Apply for a Loan

Our application process is easy and accessible. Those over 18 can apply for a loan regardless of their credit history. You must have a checking account to apply.

2

Receive a Decision

After submitting your application, you’ll receive a decision within minutes to an hour. Our loan approval process focuses on more than just your credit score.

3

Get Funds

Upon approval, funds are typically available in your account instantly, same-day, or next-day for peace of mind. Direct deposit is required to receive funds.

Why Choose Wise Loan?

Choosing Wise Loan for your bad credit loan in Texas means opting for a lender that stands out for its user-friendly application process, exceptional customer service, and flexible repayment options. We understand the importance of tailor-made financial solutions and strive to provide terms that meet your unique needs and circumstances. Additionally, our Nest Egg program and cash-back rewards offer an extra benefit, rewarding you for on-time repayments and helping you build a financial cushion for the future. With Wise Loan, you’re not just borrowing money; you’re investing in a brighter, more secure financial future.

Types of Bad Credit Loans in Texas

Explore the options available for bad credit loans in Texas, including payday, installment, and personal loans.

Payday Loans

Payday loans are ideal for short-term financial needs, providing a quick influx of cash to cover expenses until your next paycheck. These loans are typically small in amount and are due in a short period.

Installment Loans

Installment loans offer a more structured approach to borrowing, with set repayment plans spread over time. This type of loan is suitable for those who need a more considerable amount and prefer the stability of fixed monthly payments. 

 

Personal Loans

Personal loans are versatile financial solutions for more significant expenses or consolidating debt. They often come with longer repayment terms and the flexibility to use the funds for various purposes.

What to Consider When Looking for Loans


When searching for Texas loans for bad credit, making an informed decision that aligns with your financial situation and goals is crucial. Consider the following key factors:

Interest Rates

Look for competitive rates that will stay manageable for your finances.

Fees

Be aware of any upfront or hidden costs associated with the loan.

Repayment Terms

Choose terms that offer flexibility and fit within your budget, considering monthly expenses.

Lender Reputation

Research lenders to ensure they are reputable and have positive customer reviews.

Making the correct choice involves evaluating these aspects carefully to find a loan that meets your needs without exacerbating your financial situation.

Eligibility Requirements in Texas

To qualify for loans for bad credit in Texas, applicants must meet specific criteria to ensure they can manage the loan responsibly. These requirements include:

Age

You must be at least 18 years old to apply.

Checking Account

Applicants must have a valid checking account.

Direct Deposit

Direct deposit is necessary to receive funds.

Income

A steady source of income is required to demonstrate the ability to repay the loan.

These criteria help safeguard both the lender and borrower, ensuring loans are provided to individuals who can benefit from them without falling into further financial difficulty.

Hear From Our Customers

    • 4.8
    • 1,125 reviews
    • 4.5
    • 1,907 reviews
    • 4.9
    • 2,839 reviews

Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1266 customer reviews

Excellent service




Review of Wise Loan

Great company

Missouri CityTX77459 29.4775-95.53

Response from Wise Loan:

Peter, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

Pleasant, helpful, good customer

KnollwoodTX75092 33.68-96.7275

Response from Wise Loan:

John, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Exceptional service!




Review of Wise Loan

Robby is such a gem. I appreciate his help and he’s always kind and quick!

PonderTX76259 33.2125-97.32

Response from Wise Loan:

Krista, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent!!!




Review of Wise Loan

Fast and Easy! Excellent service!

LaredoTX78045 27.595-99.445

Response from Wise Loan:

Georgina, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

HoustonTX77087 29.69-95.305

Response from Wise Loan:

Melissa, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent People!




Review of Wise Loan

Super easy to work with and will let you skip a week payment if you fall behind.

TempleTX76502 31.1175-97.4175

Response from Wise Loan:

Heather, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

MilwaukeeWI53223 43.175-87.9975

Response from Wise Loan:

Tiffany, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

Cedar HillTX75104 32.595-96.915

Response from Wise Loan:

Micheal, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent job




Review of Wise Loan

HumbleTX77338 29.995-95.28

Response from Wise Loan:

Josephine, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Very helpful didn’t take long answered all questions I had

San BenitoTX78586 26.12-97.61

Response from Wise Loan:

Inelda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

Very kind.

New OrleansLA70125 29.95-90.1025

Response from Wise Loan:

Mario, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Loan payment




Review of Wise Loan

Very nice and helpful

BedfordTX76021 32.8475-97.13

Response from Wise Loan:

Rickie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Okay




Review of Wise Loan

No the service is not great 😕.

HoustonTX77073 29.99-95.405

Response from Wise Loan:

Paternelda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at [email protected]. Best regards, The Call Center


My Review




Review of Wise Loan

Excellent Service

BruslyLA70719 30.3725-91.2975

Response from Wise Loan:

Ronald, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

N/a

LubbockTX79410 33.57-101.8975

Response from Wise Loan:

Brandy, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


ROBBY G.

ROBBY G.

Near West Monroe, LA 71292
Jude C.

Jude C.

Near Tyler, TX 75703
Jude C.

Jude C.

Near Missouri City, TX 77459
Olga S.

Olga S.

Near Pecan Creek Dr, Garland, TX 75044
ROBBY G.

ROBBY G.

Near Dallas, TX 75208
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Victoria Chase Ln, Houston, TX 77075
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near W 32nd St, Wilmington, DE 19802
Jude C.

Jude C.

Near GREENWEL SPGS, LA 70739
Jude C.

Jude C.

Near Dallas, TX 75236
ROBBY G.

ROBBY G.

Near Cypress, TX 77429
Jude C.

Jude C.

Near Harvey, LA 70058
ROBBY G.

ROBBY G.

Near Arlington, TX 76014
ROBBY G.

ROBBY G.

Near Knollwood, TX 75092
ROBBY G.

ROBBY G.

Near Ponder, TX 76259
ROBBY G.

ROBBY G.

Near Jefferson City, MO 65109
Olga S.

Olga S.

Near Eldridge Pkwy, Houston, TX 77077
Olga S.

Olga S.

Near E 127 Terrace, Grandview, MO 64030
Jude C.

Jude C.

Near Pleasanton, TX 78064
Jude C.

Jude C.

Near Denham Springs, LA 70706
Jude C.

Jude C.

Near The Woodlands, TX 77375
Jude C.

Jude C.

Near Theriot, LA 70397
Trent T.

Trent T.

would you mind sending you a review request regarding my service today. Your feedback on my performance will be sent to our higher management. If you have any free time to complete it, I would be grateful.

Near S 83rd St, Greenfield, WI 53220
Trent T.

Trent T.

would you mind sending you a review request regarding my service today. Your feedback on my performance will be sent to our higher management. If you have any free time to complete it, I would be grateful.

Near Crow Lake Rd, Sarepta, LA 71071
Trent T.

Trent T.

would you mind sending you a review request regarding my service today. Your feedback on my performance will be sent to our higher management. If you have any free time to complete it, I would be grateful.

Near Parkway Blvd, Two Rivers, WI 54241
Trent T.

Trent T.

would you mind sending you a review request regarding my service today. Your feedback on my performance will be sent to our higher management. If you have any free time to complete it, I would be grateful.

Near Katie Ln, El Paso, TX 79932

Member of

Frequently Asked Questions

What is the Easiest Loan to Get in Texas?

The easiest loan to secure in Texas, especially for those with less-than-ideal credit, is typically a payday loan. These loans require minimal eligibility criteria compared to traditional loans, focusing more on your current ability to repay than your credit history. However, it’s essential to consider the high-interest rates and short repayment terms associated with payday loans, ensuring they are a viable option for your immediate financial needs. You must explore all loan options before applying for a loan.

Can I Get a Loan if I Have Bad Credit?

Yes, getting a loan in Texas is possible, even with bad credit. Lenders like Wise Loan specialize in offering loans for people with poor credit scores by evaluating other factors such as income and repayment ability. These bad credit loans are designed to provide financial assistance and an opportunity to improve your credit score through consistent, timely repayments.

What is the Lowest Credit Score to Borrow?

The lowest credit score required to borrow varies by lender and loan type. For online loans for bad credit in Texas, some lenders may have a lower credit score requirement and instead assess your overall financial situation and ability to repay the loan. However, having a credit score in the lower ranges may lead to higher interest rates and more stringent repayment terms. It is essential to review the lender’s criteria and ensure you meet their requirements before applying.

Resources

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Apply for a Loan with Wise Loan

Take control of your financial future by starting your application for a bad credit loan with Wise Loan today.