If you're behind on your property taxes in Texas—but the balance is under $3,000—you might be wondering what your options are. While our loan programs are designed for higher balances, we still want to help you stay ahead of penalties, fees, and potential legal trouble.
Here’s a quick guide to handling a smaller tax bill if you're not eligible for a property tax loan.
Some counties in Texas accept credit card payments for property taxes. This can be a fast way to pay off your bill and buy yourself some time—especially if your card has a 0% promotional rate. Just be aware of:
High interest rates if you don’t pay it off quickly
Impact on credit if you miss payments
Still, if the bill is manageable and you're confident you can pay it down soon, this might be your easiest short-term solution.
If your financial situation is tight, it might be worth having an honest conversation with someone close to you. A short-term loan from a family member or trusted friend can help avoid late fees and escalating penalties from the county.
Tip: Put the terms in writing—even if it’s informal. Clear expectations help avoid misunderstandings.
Many counties offer payment agreements for taxpayers who need a little time to catch up, especially if the amount owed is relatively small. You’ll need to:
Ask about available payment options
Be prepared to pay at least a portion upfront
While interest and penalties may still apply, these plans can keep your account in good standing and help you avoid a tax lien or further legal action.
Some people choose to take out a personal loan from their bank or credit union, especially if they need to stretch repayment over several months. Compared to a credit card, a personal loan may offer:
Fixed payments
A predictable payoff schedule
Just make sure you compare terms and only borrow what you need.
A useful option for specific people. If you’re:
Disabled
A disabled veteran
…you may be eligible to defer your property taxes entirely. This means you won’t have to pay right now, and your account won’t be considered delinquent—though interest may still accrue at a reduced rate (typically 5%).
To apply, contact your county’s appraisal district and ask about filing a tax deferral affidavit.
Don’t Wait—Penalties Add Up Fast
No matter how small your tax bill may seem, Texas property taxes become delinquent on February 1, and penalties start immediately. A $2,500 bill can jump by hundreds of dollars within a few months, and legal collections can begin soon after.
Even if you don’t qualify for a loan with us, taking action now is the best way to avoid added stress (and cost) later.
Need Help with a Larger Balance?
If your property taxes total $3,000 or more, you're eligible for one of our property tax loan programs. We’ll pay your taxes directly to the county and set you up with a monthly payment plan that fits your budget—no upfront costs and no credit check required.
Contact us to learn more about how we can help.
Your tax office may offer delinquent tax installment plans that may be less costly to you. You can request information about the availability of these plans from the tax office.
* Conditions apply, first payment date must be within 12 months
Customer Login
