Personal loans in Dallas, OR
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dallas, OR.
The median household in Dallas earns $71,549 a year, 14% below the Oregon median of $83,011. About 16% of residents live below the federal poverty line, and 32.1% of households rent their home.
Oregon law that applies in Dallas
| Rate cap | The finance charge, as an APR, may not exceed the greater of 36% or 30 percentage points above the Federal Reserve discount window primary credit rate, set each January. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Consumer finance loans of $50,000 or less. |
Full rules with statute citations: Personal Loans in Oregon. Cities in Oregon cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Dallas
Lenders that serve Dallas typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Dallas
What Dallas borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Dallas
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Dallas
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Columbia Bank | 1 | 150 West Ellendale Avenue, Dallas 97338 |
| WaFd Bank | 1 | 611 Main St, Dallas 97338 |
| Citizens Bank | 1 | 583 Se Jefferson St, Dallas 97338 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dallas
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Oregon State | 210 Orchard Dr, Dallas 97338 |
| First Community | 372 E Ellendale Ave, Dallas 97338 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Polk County · Payday Loans in Dallas · Title Loans in Dallas
Frequently asked questions
Can I get a personal loan with bad credit in Dallas?
Possibly. Lenders in our network consider applicants with fair and bad credit across Oregon, including Dallas. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Dallas, OR?
36% APR (or discount rate plus 30 points) on licensed loans up to $50,000.
How fast can I get a personal loan in Dallas?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How do installment loans work in Dallas?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Dallas residents can see installment loan offers with our free 3-minute form.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Dallas borrowers who qualify.
Where can I find a loan for bad credit in Dallas?
You can apply at local banks and lenders in Dallas, or go online to reach more lenders at once. Banks often have stricter credit requirements, while many online lenders consider all credit types. Our free form sends one request to multiple lenders in our network, so you don't have to apply one by one. Many applicants get a decision within minutes.
How do I apply for a personal loan with bad credit in Dallas?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
How can I get an emergency loan in Dallas?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Do I need to visit a store in Dallas?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.