Personify Financial in Texas
Loan limits, APR, who actually makes the loan in Texas, state-law context, cheaper local options and how to request.
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Personify Financial lends in Texas. Residents can borrow $500–$15,000 at 36.00%–179.50% APR over 12–48 months, funded the next business day. Lending via First Electronic Bank. Texas residents may complain to the Office of Consumer Credit Commissioner, (800) 538-1579. You can also request a loan from lenders serving Texas through our independent form.
Personify's Texas terms
| Item | Texas |
|---|---|
| Loan amount | $500–$15,000 |
| APR | 36.00%–179.50% (Personify / First Electronic Bank); 6.00%–35.99% (participating creditors) |
| Terms | 12, 18, 24, 36 or 48 months |
| Origination fee | 5%–5.99%, added to balance |
| Prepayment penalty | None |
| Lender of record | First Electronic Bank (≥36% APR); participating creditors (<36%) |
What a $3,000 loan costs in Texas
| APR | Payment (36 mo) | Total repaid |
|---|---|---|
| 36% | $137 | $4,947 |
| 107.54% | $282 | $10,140 |
| 179.5% | $452 | $16,263 |
Before the origination fee. Try your own amount →
Texas law and the bank-partner model
Texas allows credit-access businesses and bank-partner loans with few rate limits. Personify's "Who Makes the Loan" table assigns loans at or above 36% APR to First Electronic Bank, a Utah-chartered bank that exports Utah's lack of a rate cap. Consumer groups have challenged this structure; it remains in use as of October 22, 2026. Texas residents with complaints can contact the state's financial regulator or the CFPB.
Request a loan in Texas
Two-minute form, soft inquiry, offers from lenders serving Texas. No obligation.
Cheaper alternatives in Texas
- Texas credit unions — Payday Alternative Loans ($200–$2,000, ≤28% APR) and small personal loans for members.
- Prime online lenders — 6%–36% APR for roughly 580+ scores.
- Local assistance — utility hardship programs, 211 referrals and community action agencies in Austin and statewide.
- Other subprime installment lenders — compare ceilings; see Personify vs NetCredit.
Other states: Utah · Virginia · Wisconsin · Alabama · all 27 states.
People also ask about Personify in Texas
Is Personify Financial licensed in Texas?
Loans at or above 36% APR in Texas are made by First Electronic Bank under its Utah bank charter rather than a Texas licence; loans under 36% come from participating creditors that hold their own licences. Personify itself holds a state licence in a handful of other states. To verify any lender, contact the Texas Office of Consumer Credit Commissioner, (800) 538-1579, occc.texas.gov.
What is the maximum APR a Texas lender can charge?
Texas allows credit-access businesses and bank-partner loans with few rate limits. For a bank-originated loan the practical ceiling is Personify's published 179.50%. A Texas credit union is capped at 18% (28% for a Payday Alternative Loan) by federal rule, which is why we list credit unions first among alternatives.
How fast can Texas residents get funded?
Next business day after e-signing by 11:59 PM Central — Texas is in the Central time zone, so the cut-off is 11:59 PM local. Your bank's posting rules add anything from minutes to a day.
How does the Rate Reduction program work for Texas borrowers?
The same way everywhere: on eligible loans (APR above 35.99%), the APR drops 2 percentage points after every six consecutive months of on-time payments — 6 monthly, 12 semi-monthly or 13 bi-weekly payments — to a floor of 24.00%. Reductions are permanent; a late payment restarts the clock for the next one.
Where do I complain about a lender in Texas?
Start with the lender (1-888-578-9546; [email protected]). Then the Texas Office of Consumer Credit Commissioner ((800) 538-1579) for licensing questions, and the CFPB complaint database (consumerfinance.gov/complaint) for anything else. Utah's Department of Financial Institutions, (801) 538-8830, supervises First Electronic Bank.
How to request a loan in Texas
- Open the request form; select Texas and an amount between $500 and $15,000.
- Enter income, bank and contact details — soft inquiry only.
- Review APR, fee and total; sign only if it fits.
- Funds typically arrive the next business day.
Frequently asked questions
Does Personify Financial lend in Texas?
Yes. Texas is one of Personify's 27 lending states as of October 22, 2026, with loans from $500 to $15,000.
Is Personify a direct lender in Texas?
No. First Electronic Bank (Utah) is the lender of record for loans at or above 36% APR; participating creditors make loans below 36%.
Can I get a Personify loan in Texas with bad credit?
Yes, that is the product's purpose. Bad credit raises the APR toward the top of the 36%–179.50% range rather than causing a decline, provided income can be verified.
What is the Personify origination fee in Texas?
5%–5.99% of the loan, added to the balance.
Who regulates lenders in Texas?
The Texas Office of Consumer Credit Commissioner, (800) 538-1579. First Electronic Bank is supervised by the Utah Department of Financial Institutions and the FDIC.
Who makes Personify loans in Texas?
Lending via First Electronic Bank. Texas residents may complain to the Office of Consumer Credit Commissioner, (800) 538-1579.
What is the maximum APR in Texas?
Personify publishes a single 36.00%–179.50% range for all lending states; offers from participating creditors run 6%–35.99%.
Are there cheaper options in Texas?
Often: Texas credit unions offer Payday Alternative Loans at ≤28% APR, and prime online lenders go to 36%. Check them with a soft inquiry first.
Check your loan offers — $500 to $15,000
Soft credit check to see offers. Lenders in our network include installment lenders that work with bad credit. You are not applying with Personify Financial; we are an independent request service.
- No impact to your credit score to check
- Funds as soon as the next business day
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