Personal loans in Beeville, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Beeville, TX.
The median household in Beeville earns $50,784 a year, 35% below the Texas median of $78,476. About 22% of residents live below the federal poverty line, and 41.3% of households rent their home. 15.5% of households have no home internet; our form works on any phone.
Texas law that applies in Beeville
| 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 Beeville
Most Beeville applicants can finish in one sitting if they have these ready:
- 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 Beeville
What Beeville borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
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 Beeville
- 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 Beeville
7 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Simmons Bank | 1 | 1400 E Houston St, Beeville 78102 |
| Prosperity Bank | 1 | 100 S Washington St, Beeville 78102 |
| Woodforest National Bank | 1 | 502 E Fm 351, Beeville 78102 |
| Texas Champion Bank | 1 | 1901 N Saint Marys St, Beeville 78102 |
| International Bank of Commerce | 1 | 802 E Houston St, Beeville 78102 |
| First National Bank Texas | 1 | 100 E Houston St, Beeville 78102 |
| The Karnes County National Bank of Karnes City | 1 | 1708 Wofford Ln, Beeville 78102 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Beeville
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Rally | 2505 N Saint Marys St, Beeville 78102 |
| B. P. S. | 906 W Corpus Christi St, Beeville 78102 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bee County · Payday Loans in Beeville · Title Loans in Beeville
Frequently asked questions
Can I get a personal loan with bad credit in Beeville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Beeville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Beeville, 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 Beeville?
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.
Are personal loans bad for your credit?
Not necessarily. Checking offers often uses a soft inquiry that doesn't affect your score, though a lender may do a hard pull before final approval. Once you have the loan, on-time payments can help build your credit history, especially with lenders that report to the major bureaus, while missed payments can lower your score. Beeville residents can see their options in about 3 minutes.
Can I get a personal loan in Beeville with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. Beeville residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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 Beeville with our free 3-minute form.
How do I apply for a personal loan with bad credit in Beeville?
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.
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 Beeville?
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.