Personal Loans

STC is now accepting applications for secured Personal Loans!

Basic Qualifications

  • NO MINIMUM CREDIT SCORE! We do check your credit but approval is not based on score
  • Must be 18 years of age or older and a Texas Resident
  • Must have a valid Texas DL
  • Must have an active checking account with a branch located in Texas
  • If you have a minimum credit score across all three credit agency reports of 740 or more, in most cases, no security will be required

Send an email to  to start your application and send in your name, phone number, and best time to contact you.
(NOTE: Most personal loans require a vehicle title or other form of collateral for consideration).

Loan Types

Loan Type Interest Rate (APR) Loan Range Loan Term Time to Receipt
Vehicle Title Loan 9.00% $5,000.00 – $24,999.99 12 months 3 to 5 days
Property Secured Loan 10.00% $5,000.00 – $10,000.00 12 months 3 to 7 days
Bullion Secured Loan 4.00% Up to $24,999.99 6 or 12 months Same Day
Unsecured Loan 5.00 % – 9.00 % Up to $10,000.00 3,6, or 12 months 1 to 3 days

What types of collateral does STC accept in order to secure a loan?

Our preferred collateral is either gold or silver bullion, however, pending inspection and approval, the following items are also accepted;

  • Vehicles ( Must be 2015 or newer vehicle, no accidents, title free and clear of any liens or loans, and a 2nd keyfob and set of keys if the vehicle uses keys, Borrower must also carry full coverage insurance on the vehicle and provide proof each month of insurance. Keep your vehicle while you pay!)
  • Scrap Gold, Jewelry, Gemstones, and other precious metals
  • Mopeds, Motorcycles, Boats, ATVs, and Other Recreational Vehicles ( we will ask to take physical possession of the vehicle and all keys and/or locks )
  • Rare Books and Other Publications and Rare Collectible Items ( such as signed memorabilia, movie posters, etc )