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The 5 Best Personal Loans in Houston

The 5 Best Personal Loans in Houston

Our Criteria:

Loan Amounts Some lenders offer minimum and maximum loan amounts. We chose the best personal loans that fit diverse financial needs.
Loan Terms You don’t want a term that’s too long and leaves you paying interest for years. So we looked for lenders with flexible loan terms.
Application The loan application can be a make-or-break factor. We sought personal loans with a smooth and easy application process to save you time and hassle.
Customer Service Personal loans with excellent customer service can help you navigate the loan process. We picked lenders who can address any concerns and provide a positive borrowing experience.

1. Truist

Truist's Homepage

Services: Business Loans, Mortgage Loans, Direct Retail Loans, Deposit Transactions, Foreign Currency Exchange, Insurance, and Leasing Services

Website: https://www.truist.com/ 

Address: 3730 Kirby Dr Ste 100 Houston, TX 77098, United States

Contact Details: (713) 345-1458

Operating Hours: Monday to Friday: 9:00 AM to 5:00 PM; Saturday and Sunday: Closed

Yelp Rating3/5
GOBankingRates Rating5/5
Chamber of Commerce Rating4/5
Total Reviews3/5
Score Consistency4/5
Loan Amounts5/5
Loan Terms4/5
Application4/5
Customer Service5/5

Pros

  • 0.5% auto-payment discount
  • Competitive interest rates

Cons

  • Rejects cosigners 
  • Limited branch availability
  • High account maintenance fees

Truist Bank in Houston is a financial institution that has managed to make a name for itself in the world of personal loans, and for good reason.

Their loan offerings are particularly noteworthy. They have a wide range of loan amounts and terms available to meet the needs of different customers.

Whether you’re looking for a small personal loan of $3,500 or a larger commercial loan of $50,000, Truist has got you covered. The loan application process is smooth and hassle-free.

We love their customer service team. They’re professional, courteous, and always willing to go the extra mile to ensure we’re satisfied with our loan experience.

One of the best things about Truist is the flexibility they offer when it comes to loan terms. They understand that everyone’s financial situation is different.

This means you can choose a loan that best fits your individual needs, without having to worry about being locked into a term that doesn’t work for you.

Their competitive interest rates are lower than those of other lenders in the area. You can save money on interest charges over the life of your loan.

Truist Bank may have over 2,000 branches across the United States, but they still manage to be as elusive as a rare comet. If you’re lucky enough to catch one in your area, consider it a stroke of good banking fortune!

Their monthly account maintenance fees can add up faster than a toddler on a sugar rush. If you’re not careful, you might find yourself spending more money on fees than on actual transactions.

Truist Bank is a fantastic choice for anyone looking for reliable and flexible personal loans. With a wide range of loan amounts and competitive interest rates, it’s no wonder Truist has become a go-to option for many Houstonians.

2. Members Choice Credit Union

Members Choice Credit Union' Homepage

Services: Personal Loans, Auto Loans, Home Loans, Business Loans, Student Loans, Motorcycle Loans, and Credit Cards

Website: https://www.mccu.com/ 

Address: 18211 Katy Fwy, Houston, Texas 77094, United States

Contact Details: (281) 398-9900

Operating Hours: Monday to Friday: 9:00 AM to 6:00 PM; Saturday: 9:00 AM to 1:00 PM; Sunday: Closed

Glassdoor Rating3/5
WalletHub Rating4/5
AdvisoryHQ Rating5/5
Total Reviews3/5
Score Consistency4/5
Loan Amounts4/5
Loan Terms4/5
Application5/5
Customer Service4/5

Pros

  • Non-profit
  • Community involvement

Cons

  • Membership eligibility
  • Lower technology investment


Looking for a financial institution that offers loans with reasonable terms and top-notch customer service? Look no further than Members Choice Credit Union!

Members Choice Credit Union offers a variety of loan products to meet your needs, whether you’re looking for a new car or need a personal loan to consolidate debt. Their personal loan amounts range from $500 to $30,000.

With their competitive interest rates and flexible repayment terms, you’ll be able to find a loan that fits your budget and lifestyle.

We’re happy to know that Members Choice Credit Union makes it easy to apply for a loan online or in-person. The online application process is quick and straightforward, and you’ll receive a decision within minutes.

Their customer service is one of a kind. From the moment you become a member, you’ll be treated like family!

Plus, their commitment to financial education means you’ll have access to valuable resources and tools to help you make informed decisions about your finances.

Unfortunately, Member Choice Credit Union’s branch network is limited compared to larger lenders. So if you prefer in-person loan services, you may need to travel a bit farther to access a branch location.

Membership eligibility requirements may also restrict you from becoming a member.

If you’re tired of dealing with lenders that only care about their bottom line, it’s time to switch to Members Choice Credit Union. With top-notch services, they’re the clear choice for anyone looking for a lender that truly puts its members first.

3. Oportun

Oportun's Homepage

Services: Brokerage Services, Common Loan, Consumer Finance, Consumer Lending, Consumer Loans, Credit Card Loan, Financial Loan, Installment Loan, and Larger Personal Loan,

Website: https://oportun.com/ 

Address: 5316 Airline Dr, Houston, Texas 77022, United States

Contact Details: (866) 488-6090

Operating Hours: Monday to Friday: 11:00 AM to 6:30 PM; Saturday: 10:00 AM to 4:00 AM; Sunday: Closed

Credit Karma Rating4/5
Indeed Rating4/5
Glass Door Rating3/5
Total Reviews5/5
Score Consistency4/5
Loan Amounts5/5
Loan Terms5/5
Application5/5
Customer Service5/5

Pros

  • No credit history required
  • No prepayment penalties
  • Fast application process

Cons

  • High interest rates
  • Late payment fees

Are you tired of traditional lenders turning you down for a loan because of your limited or non-existent credit history? Well, it’s time to give Oportun loans a chance!

Oportun offers loans ranging from $300 to $8,000, which is a decent range for those in need of a smaller loan.

They offer flexible repayment options, with the ability to make bi-weekly or monthly payments, and the option to change your due date up to two times during your loan’s life. This is great for clients who need some wiggle room with their payments.

Applying for an Oportun loan is quick and easy. You can apply online, over the phone, or in-person at one of their branches in Houston.

Their customer service is excellent, which blew us away. They offer a mobile app, making loan management even easier.

However, their interest rates can be relatively high, particularly for longer-term loans. This can result in borrowers paying a significant amount in interest over the life of the loan.

They also charge late payment fees, which can add up over time and make the loan more expensive than originally anticipated.

All in all, Oportun loans are a solid option for borrowers in need of a smaller loan without a credit history check. With flexible repayment options and excellent customer service, they’re definitely worth considering.

4. Heights Finance

Heights Finance's Homepage

Services: Personal Loans, Signature Loans, Fixed-rate Loans, Home and Auto Loans, Credit Insurance, Refinancing, Debt Consolidation, and Business Referral Program

Website: https://www.heightsfinance.com/ 

Address: 938 E Tidwell Rd, Houston, Texas 77022, United States 

Contact Details: (866) 413-1836

Operating Hours: Monday to Friday: 8:30 AM to 5:30 PM; Saturday and Sunday: Closed

Trustpilot Ratings5/5
Glassdoor Ratings4/5
Indeed Ratings3/5
Total Reviews5/5
Score Consistency4/5
Loan Amounts5/5
Loan Terms4/5
Application5/5
Customer Service5/5

Pros

  • Personalized service
  • Quick loan processing

Cons

  • Limited availability
  • Strict eligibility criteria

Heights Finance has got your back! With their snappy loan application process and flexible terms, you’ll be singing “Money, Money, Money” like a disco queen in no time.

Their loan amounts range from $500 to $5,000, which is perfect for those who just need a little extra cash to make it to their next paycheck or for those who need to fund a small project.

We’re awe-struck by their repayment terms, ranging from 12 to 36 months. We 

have plenty of time to pay off our loans without feeling rushed or overwhelmed.

You have the option to apply online or in person. If you need assistance along the way, their customer service team is always there to help.

Speaking of customer service, Heights Finance truly goes above and beyond in this department. From the moment you walk through their doors, you’re greeted with a warm smile and a willingness to help.

But let’s be real, no loan experience is perfect. One area where Heights Finance could improve is in their interest rates.

While they do offer competitive rates for borrowers with good credit, those with less-than-perfect credit may face higher rates that can make it difficult to repay the loan.

Moreover, if you’re the kind of person who doesn’t enjoy surprise fees, then Heights Finance might not be the lender for you.

Despite these drawbacks, Heights Finance is definitely worth checking out. Their reliable and personalized service make them a solid choice for anyone in need of a personal loan.

5. Sun Loan Company

Sun Loan Company's Homepage

Services: Personal Loans, Installment loans, Credit Cards, Appliance Repair Loans, Automobile Repairs, Bad Credit Loans, Car Maintenance, Car Repair Loans, and Consumer Finance

Website: https://www.sunloan.com/ 

Address: 1955 Gessner Rd. Houston, Texas 77080, United States

Contact Details: (713) 468-9206

Operating Hours: Monday to Thursday: 8:30 AM to 5:30 PM; Friday: 8:30 AM to 6:00 PM; Saturday: 8:30 AM to 12:30 PM; Sunday: Closed

TrustAnalytica Rating5/5
Glassdoor Rating3/5
Indeed Rating3/5
Total Reviews4/5
Score Consistency4/5
Loan Amounts5/5
Loan Terms5/5
Application4/5
Customer Service4/5

Pros

  • Quick access to funds
  • No collateral required
  • Tax refund available

Cons

  • Short repayment terms
  • Potential for additional fees

Sun Loan Company is a shining star when it comes to personal loans. They offer a range of loan amounts and terms to fit your personal needs, making it easy to find the perfect solution for your financial situation.

Their loan amounts are impressive. They offer loans starting at $100 and going all the way up to $5,000, making it a great choice for those who need a small loan to cover expenses, or for those who need a larger sum of money for a big project.

Hats off to Sun Loan Company for their equally outstanding loan terms. They offer terms ranging from six to 48 months, giving borrowers plenty of time to repay their loans.

The application process is convenient and user-friendly, making it easy to complete the application from the comfort of your own home.

Sun Loan Company’s customer service is top-notch. Their commitment to providing excellent customer service is evident in the glowing reviews they’ve received from satisfied borrowers.

Sun Loan Company’s interest rates may be as hot as the Texas sun, but unfortunately, that heat can burn a hole in your pockets. If you’re not careful, the interest and fees could leave your wallet parched.

While their application process is as warm as morning, their limited geographic reach may leave some customers out in the cold. If you don’t live in one of the few states where they operate, you’ll have to look elsewhere for your lending needs.

Overall, Sun Loan Company is a fantastic choice for personal loans. With their range of loan amounts and terms and easy application process, they truly stand out from the crowd.

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