Personal Loans in Houston

it takes less than 5 minutes
it takes less than 5 minutes
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First Service Credit Union OneMain Financial Oportun
APR* 6.99% to 16.99% 18.00% to 35.99% (may differ depending on your location) Not specified
Borrowing limits $1,000 to $30,000 $1,500 to $8,000 in Texas $300 to $9,000
Terms Up to 60 months 24 to 60 months 6 to 46 months
Origination fee None Varies by state (flat fees range from $25 to $300; percentage-based fees range from 1.00% - 10.00% of loan amount) Varies by location
Minimum credit requirement Not specified Not specified None

First Service Credit Union

This Houston-based credit union has four branches within the city’s limits. Its fixed-rate loans offer a solid APR range, especially when compared to those of OneMain Financial. To provide perspective on another type of borrowing, its maximum rate is similar to the average APR for credit card accounts that accrue interest (16.88%).

Borrowers have up to five years to repay a First Service Credit Union personal loan. The maximum loan amount ($30,000) is the largest by far of the lenders on our list — plus, it’s also the only lender on this list that doesn’t charge an origination fee, and there are no prepayment penalties.

According to First Service Credit Union, it takes less than 10 minutes to apply online. But there is a catch: You’ll have to be a member, or have a promo code to apply for a personal loan.

How to qualify

First Service Credit Union doesn’t specify what it looks for in a borrower. But if you wish to become a member, you’ll have to meet at least one of the following requirements:

  • Live, worship, work or attend school in Harris, Waller or Fort Bend counties, or the Conroe or Magnolia independent school districts
  • Have a family member that’s an existing First Service Credit Union member
  • Be an employee of one of the credit union’s select groups, including KBR, Halliburton, CenterPoint Energy, Baker Hughes, NRG and Kinder Morgan

OneMain Financial

OneMain Financial is a national lender with seven branches in Houston. It offers fixed-rate secured and unsecured loans (more on secured loans later).

Along with Oportun, it charges an origination fee for its personal loans; however, with OneMain Financial, that fee can be taken out of your total loan amount, so you’ll want to budget for that when requesting your loan. It’s also worth noting that the lender has the highest APR ceiling of those on our list (at least where the information is publicly known). That combination could increase your cost of borrowing and result in a more expensive loan over the long term.

If approved (which can happen in less than 10 minutes), you’ll have to visit a branch to talk to a loan specialist. You can get your loan via direct deposit or as a check at your local branch. That funding could be available as soon as the same day if you opt for a check. If you opt for direct deposit, it would take about one to two business days.

How to qualify

The exact requirements, such as minimum credit score or debt-to-income ratio, aren’t specified by the lender. But to apply, you’ll need to provide the following information:

  • Proof of income
  • Proof of residence
  • Government-issued ID

This lender also notes that it may require additional information, depending on a borrower’s specific financial situation.

OneMain Financial considers several factors when determining borrower eligibility and terms, including:

  • Financial and credit history
  • Income and expenses
  • Loan purpose
  • Bankruptcy history
  • Location


Oportun is a lending company that aims to help lower-income individuals establish a credit history. As such, it’s the only lender on our list that explicitly accepts applications from those who don’t yet have credit. Plus, and you may be able to get a cosigner to help you qualify. Oportun has 21 Houston locations, which can be extremely convenient for borrowers who prefer an in-person lending experience.

The main drawback here is that APRs are unknown, so it’s difficult to know what your potential costs would be. Plus, compared to the other lenders, the borrowing amounts are quite limited. That said, prequalification is available, and that can help shed light on APRs.

Those who are interested can apply online, by phone or in person. According to Oportun, the lender on average processes applications in less than an hour, and most borrowers receive the funds the same day that they’re approved. You would be able to get that via check, direct deposit or loaded onto a prepaid debit card.

How to qualify

While Oportun doesn’t require a credit history to qualify, it does consider any existing credit history of applicants if that information is available. Beyond that, the company doesn’t specify what it looks for in applicants. However, were you to apply, you would have to provide the following information:

  • Proof of income and address
  • Official government identification from any country
  • Contact information for four references

Explore lenders with LendingTree

LendingTree allows you to see offers from up to five partner lenders, depending on your creditworthiness. When picking a personal loan lender, comparing your options is a vital part of the process. To do that, you need to understand what your options are and how they stack up to each other.

Get personalized rates

How to find bad-credit personal loans in Houston

To find your best personal loans for bad credit in Houston, you’ll first want to focus your search for lenders that specify their minimum credit score requirements. However, it’s vital in those cases to make sure that those lenders are providing a financial product you can afford — that may not always be the case with no-credit loans.

Another option, for those who are willing, is a secured personal loan. These allow borrowers to use collateral (a car, for example) to help them qualify for a loan. Be aware that secured personal loans can be riskier, and you could end up losing your collateral if you were to miss payments.

You may also want to consider alternative local sources of funding if you’re experiencing a financial emergency. For example, the Gulf Coast Community Services Association provides assistance with rent, transportation and food costs to qualified individuals who live in Harris County, where Houston is the county seat.

How to compare personal loans online in Houston

One of the first steps for comparing online personal loan options should be checking if prequalification is available from the lenders you’re considering. That way, you’ll be better able to compare potential APR and terms rather than relying on broader information, like minimums or maximums. You’ll also want to consider the fee schedules, since those will impact the total cost of borrowing.

But it’s not just about the raw numbers and total payment calculations. You’ll have to make sure that you’re comfortable with the costs. You may also wish to branch out your search by looking into online loans available to those outside of Houston. National lenders may be able to provide additional context on terms that area branches couldn’t.

Personal loans in Houston: FAQ

Can I find no-credit-check loans in Houston? Yes, there are many such lenders throughout Houston. However, many of them fail to provide detailed information about their loan terms and don’t have prequalification available. In addition, some of those lenders may, in fact, provide access to payday loans with triple-digit rates, so be sure to do your research and consider alternatives.

What are other options if I’m looking for quick loans in Houston? Payday alternative loans are one such alternative to traditional personal loans in Houston. These are offered by credit unions and are intended to be a safer option than payday loans. However, you will have to be a credit union member for at least a month to access these kinds of loans. Those who are interested should inquire with their local credit union.

How can I find a list of banks in Houston? The FDIC’s BankFind feature is a great place to start finding banks in Houston. BankFind can provide a list of Houston banks, noting their FDIC statuses and headquarters locations.

How can I find a list of credit unions in Houston? The National Credit Union Association has a Credit Union Locator that can help you find Houston-area credit unions. It’ll let you know the locations near you, and also details what the credit unions provide at each location, such as member services, ATMs and drive-throughs.


To select personal loan lenders for this roundup, we used Google Maps to search for “personal loan lenders” with local branches in Houston. We then researched the first 120 unique lenders that appeared in our results, and selected three lenders to feature based on 1) lowest minimum APR, 2) lowest maximum APR, 3) lowest origination fee, 4) widest range of borrowing limits and 5) widest range of term length. Lenders that didn’t offer information on at least three of the five factors listed above weren’t considered.

  • *annual percentage rate