Personal loans in Alice, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Alice, TX.
The median household in Alice earns $48,676 a year, 38% below the Texas median of $78,476. About 31% of residents live below the federal poverty line, and 42.5% of households rent their home. 23.8% of households have no home internet; our form works on any phone.
Texas law that applies in Alice
| Rate cap | Under the true-daily-earnings method: 30% a year on the part of the cash advance up to the first bracket, 24% up to the second, and 18% up to the third. |
|---|---|
| License required | A Chapter 342 license is required to make, transact or negotiate loans that charge more than other law allows. |
| Loan sizes covered | The tiered rates apply to cash advances up to $23,000 (2026-27 bracket). |
Full rules with statute citations: Personal Loans in Texas. Cities in Texas 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 Alice
Lenders that serve Alice 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 Alice
What Alice borrowers use it for
handle the unexpected the same week
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Alice
- 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 Alice
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 1 | 1128 E Main St, Alice 78332 |
| First Community Bank | 1 | 1600 E Main St, Alice 78332 |
| Prosperity Bank | 1 | 1200 E Main St, Alice 78332 |
| First National Bank Texas | 1 | 2701 E Main St, Alice 78332 |
| Texas Champion Bank | 1 | 801 N Texas Blvd, Alice 78332 |
| International Bank of Commerce | 1 | 2001 E Main St, Alice 78332 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Alice
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Coastlife | 2310 E Main St, Alice 78332 |
| Gulf Coast | 1909 E Main St, Alice 78332 |
| Chemcel | 2740 East Main Street, Alice 78332 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Jim Wells County · Payday Loans in Alice · Title Loans in Alice
Frequently asked questions
Can I get a personal loan with bad credit in Alice?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Alice. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Alice, TX?
Tiered caps for licensed Chapter 342 lenders: up to 30% a year on the first $4,600, 24% on the part from $4,600 to $9,660, and 18% on the part up to $23,000 (amounts for loans made July 1, 2026 to June 30, 2027). Small loans up to $1,840 may instead use an acquisition charge plus a monthly handling charge, which produces much higher APRs.
How fast can I get a personal loan in Alice?
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.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Alice with our free 3-minute form.
How long does it take to get a personal loan in Alice?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Alice.
Where can I find a loan for bad credit in Alice?
You can apply at local banks and lenders in Alice, 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 installment loans work in Alice?
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. Alice residents can see installment loan offers with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
Do I need to visit a store in Alice?
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.