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 1409 customer reviews

Excellent Service




Review of Wise Loan

Spoke to Jude today and he was very helpful. He made the experience an easy one… I am happy am dealing with him directly

Grand PrairieTX75050 32.78-97.0175

Excellent service




Review of Wise Loan

CORP CHRISTITX78404 27.7675-97.4

Response from Wise Loan:

Vito, 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

DallasTX75243 32.9075-96.7375

Response from Wise Loan:

Jonathan, 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


Awesome service




Review of Wise Loan

Robbie has been a great help. Followed up with me through the process. Let me know if I have questions or need to make a different arrangement he is there to help. He is kind and considerate. Thank you for your help

AshwaubenonWI54115 44.4025-88.07

Response from Wise Loan:

Sherri, 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


Outstanding Customer Service




Review of Wise Loan

Provided with very friendly, professional, customer service.

DallasTX75220 32.8575-96.875

Response from Wise Loan:

David, 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 Customer Service Experience




Review of Wise Loan

Robby was very helpful in resolving my payment due date change issue. He was very friendly and professional, and his handling of the situation really made my day. We need more people like him that can handle our customer service issues.

Baton RougeLA70816 30.425-91.025

Response from Wise Loan:

Lori, 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

GarlandTX75042 32.9175-96.68

Response from Wise Loan:

Norma Flores, 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

Easy to apply for loan

San AntonioTX78228 29.455-98.56

Response from Wise Loan:

Robert, 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 always




Review of Wise Loan

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 service




Review of Wise Loan

Jude was very nice and understanding when talking to him today regarding me needing to make my last payment due on a loan for the month of December instead of it being auto deducted this month, November. Helped me tremendously! Thank You!

KatyTX77450 29.745-95.74

Response from Wise Loan:

Cheryl, 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


Polite and explained my question.




Review of Wise Loan

HoustonTX77014 29.9825-95.4625

Response from Wise Loan:

Madelyn, 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

Fast, great customer service

SunsetUT84015 41.1325-112.06

Response from Wise Loan:

Angel, 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


Ms.




Review of Wise Loan

Only use as a last resort. Interest is far too expensive.

Missouri CityTX77459 29.4775-95.53

Response from Wise Loan:

Kimbley, 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


Excellent work




Review of Wise Loan

Indian LakeTX78566 26.16-97.3725

Response from Wise Loan:

Orlando, 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


Customer Service




Review of Wise Loan

Great customer service ! Very helpful!

WaxahachieTX75167 32.3725-96.9

Response from Wise Loan:

Lisa, 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


Jude C.

Jude C.

Near Bastrop, TX 78602
ROBBY G.

ROBBY G.

Near Payson, UT 84651
ROBBY G.

ROBBY G.

Near Austin, TX 78717
ROBBY G.

ROBBY G.

Near Jarrell, TX 76537
Olga S.

Olga S.

Near W Montgomery Rd, Houston, TX 77088
ROBBY G.

ROBBY G.

Near Weiser, ID 83672
Jude C.

Jude C.

Near St. Louis, MO 63121
Jude C.

Jude C.

Near Round Rock, TX 78665
Jude C.

Jude C.

Near Monroe, LA 71211
Jude C.

Jude C.

Near Klein, TX 77379
Jude C.

Jude C.

Near Ozark, MO 65721
Jude C.

Jude C.

Near Booth, TX 77469
Jude C.

Jude C.

Near Wind Lake, WI 53185
Jude C.

Jude C.

Near Saint Charles, MO 63301
Jude C.

Jude C.

Near Harvey, LA 70058
Jude C.

Jude C.

Near Grand Prairie, TX 75050
Jude C.

Jude C.

Near Dallas, TX 75241
Jude C.

Jude C.

Near Houston, TX 77075
Jude C.

Jude C.

Near Baton Rouge, LA 70818
Olga S.

Olga S.

Near FM310, Hillsboro, TX 76645
Olga S.

Olga S.

Near Burton St, Manor, TX 78653
Olga S.

Olga S.

Near Carnation Ave, McAllen, TX 78501
Olga S.

Olga S.

Near Drumond Rd, El Paso, TX 79925
Olga S.

Olga S.

Near Falcon Shores Dr, Zapata, TX 78076
Olga S.

Olga S.

Near San Antonio St, Austin, TX 78701

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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

What is an Installment Loan?

What is an Installment Loan?

One of the most common types of loans is the installment loan. If you have any sort of debt, chances are that you have one or more installment loans. They can include student loans, auto loans and personal loans. Find out more about traditional installment loans and what you can use an installment loan for below.

read more
9 Loans Like Upstart

9 Loans Like Upstart

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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.