Compare Loan Refinancing
in Texas
Compare loan refinancing from Texas-licensed lenders near you. Borrow $500–$50,000 with competitive APRs, funded as fast as same day.
Personal loans available in Texas
All lenders displayed are licensed to originate unsecured personal loans in Texas. APRs, origination fees, and maximum loan amounts comply with Texas consumer-credit statutes and the federal Truth in Lending Act.
Availability shown for Texas. Information is educational, not legal advice. Terms and eligibility vary by lender and applicant profile.
Compare Loan Refinancing in Texas
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1-2 DaysAbout loan refinancing in Texas
Texas residents can shop loan refinancing from $500 – $50,000 in a side-by-side list you can filter and sort. Kreditify only shows offers from lenders that hold the licenses required to originate in Texas, and we prioritize lenders that publish full APRs, fees, and repayment terms before you commit — a fit for first-time borrowers looking for a soft-pull check.
All loan refinancing offers in Texas come from lenders regulated by the Texas Office of Consumer Credit Commissioner (OCCC). Kreditify never funds loans directly — we list lenders who make their own credit decisions, disclose their own APR, and service the loan under Texas law.
Popular loan refinancing markets in Texas: Houston · Dallas · Austin · San Antonio · Fort Worth · El Paso.
Texas refinance rules every borrower hits
Texas is the one state where home-equity refinancing is written into the constitution, and the rules bind every lender equally. A cash-out refinance on a Texas homestead is capped at 80% loan-to-value, lender fees are limited to 2% of the loan amount, and you cannot close until at least 12 days after applying and receiving the required notice.
That framework means shopping Texas lenders is about rate and speed, not creative structuring — the legal terms are identical everywhere. Once a loan is treated as a Section 50(a)(6) cash-out, later refinances of the same property inherit restrictions, so it is worth confirming with the lender whether your existing loan already carries that designation.
- Max LTV on cash-out
- 80% of fair market value
- Lender fee cap
- 2% of the loan amount (excluding certain third-party fees)
- Waiting period
- 12 days from application before closing
- Frequency
- One home-equity cash-out per 12 months
How much can I cash out in Texas?
Up to 80% of your home's fair market value, minus the balance of any existing liens. The 80% ceiling is a state constitutional limit, so no Texas lender can exceed it on a homestead.
Is there a waiting period on a Texas refinance?
Yes, for cash-out home-equity loans: closing cannot occur until 12 days after you apply and receive the required notice, and you also get a three-day right of rescission after closing.
Can I do a rate-and-term refinance in Texas without those limits?
A straight rate-and-term refinance that takes no equity out is not subject to the cash-out rules, but if your current loan is already a Section 50(a)(6) home-equity loan, additional restrictions carry forward.
How Emily from Texas Saved Money
Before
APR
After
APR
Total savings over loan term
"I was paying almost 19% on my credit cards. Kreditify helped me consolidate everything into one low-rate loan. The process took less than a week from application to funding!"
Emily
Texas
Frequently Asked Questions
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