With our affordable monthly payments and fair loan terms, short term solutions lead to long term opportunities — no matter your credit score.
Get StartedWe offer Texas residents loans ranging from $200 – $1,760, depending on their needs and pre-approval amount.
*Exact repayment amount may vary based on individual contract.
Breeze through our application online or stop by your local Stepstone Credit office for extra assistance
Find out how much you’re approved for in minutes and receive your money as soon as same day
With no surprise fees and a consistent repayment schedule, we make it easy to get your credit on track
If you’ve been turned down by big banks and other traditional lenders, personal installment loans are here to provide you with a pathway to fund your needs and build your credit.
Unlike bank loans, we see people as much more than just their credit score — assessing individuals’ general ability to repay based on multiple factors like employment status and repayment history. And, unlike payday loans, we never surprise you with hidden fees, balloon payments, or early repayment penalties.
Awesome customer service!! Irene Hernandez & her team were extremely helpful and kind 😊 If anybody needs a loan this is the place they will help you out
I’m fixing and building my credit. The manager Mr.Castillo in Brownsville location helped me with my account. Great customer service.
Excellent customer service!!! Well organized and professional, fast and friendly service. The ladies were kind and welcoming and extremely courteous. I highly recommend doing business with the company.
With two dozen easily accessible locations throughout the Lone Star State, we pride ourselves on being there to meet your needs. Come on in for in-person assistance and same-day funding.
Find Your BranchThe term ‘personal loan’ refers to money that is borrowed in order to finance personal, as opposed to business, expenses. The term ‘installment’ is added to clarify that it is expected to be repaid in small portions over an extended period of time. Personal loans are typically unsecured, which means borrowers do not need to put their property up as collateral. Instead, repayment is tied to credit history, meaning repaying personal loans responsibly helps borrowers establish their credit.
There are a lot of lenders out there and each has unique assessment criteria. At Stepstone Credit, we’ll look at a number of factors to gauge your general ability to repay. These include source of income, proof of residency, repayment history, and social referrals.
Personal loans are typically unsecured, which means borrowers do not need to put their property up as collateral. Instead, repayment is tied to credit history, meaning repaying personal loans responsibly helps borrowers establish their credit.
Any personal expense! Unlike more restrictive types of credit, like mortgages or auto financing loans, there are no restrictions on your category of spending.
Yes. While we do check credit, it is one of several things we look at when assessing eligibility. Even individuals with poor credit typically qualify for loans if they exhibit a high likelihood of being able to repay.
We report to credit bureaus, meaning taking a personal installment loan and paying it back on time gives you the opportunity to establish your credit score. Consistently delinquent or tardy payments have a negative impact on your credit score.
There are three easy ways to apply: online, by phone, or in person. To apply online, simply click here. For in-person or phone applications, locate your nearest branch here.
We offer Texas residents loans of up to $1,760.
We pride ourselves on getting you the money you need fast! From instant, same-day, and next day, we have several funding options to meet your needs.
With 23 branches located across Texas, chances are there’s a Stepstone Credit near you. Use our Branch Locator to find the nearest one.
