Personal loans in Bellmead, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bellmead, TX.
The median household in Bellmead earns $52,075 a year, 34% below the Texas median of $78,476. About 25% of residents live below the federal poverty line, and 40.2% of households rent their home. 11.5% of households have no home internet; our form works on any phone.
Texas law that applies in Bellmead
| 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 Bellmead
Lenders that serve Bellmead 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 Bellmead
What Bellmead borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Bellmead
- 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 Bellmead
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank Texas | 1 | 1521 Interstate 35 N, Bellmead 76705 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in McLennan County
35 credit-union locations from 20 credit unions.
| Credit union | Location |
|---|---|
| Acadiana Medical | 5213 Lake Shore Dr, Waco 76710 |
| Mclennan County Employees | 215 N 5Th St Ste 224, Waco 76701 |
| Texell | 1221 Hewitt Dr, Waco 76712 |
| Genco | 731 N Valley Mills Dr, Waco 76710 |
| Educators | 100 Bolling Dr, Waco 76705 |
| First Central | 6201 Sanger Ave, Waco 76710 |
| Members Choice Of Central Texas | 4631 W Waco Dr, Waco 76710 |
| Kraftman | 5213 Lake Shore Dr, Waco 76710 |
| Heart O' Texas | 7500 Imperial Drive, Waco 76712 |
| Southern Teachers & Parents | 5213 Lake Shore Dr, Waco 76710 |
| Rocket | 905 W Mcgregor Dr, Mcgregor 76657 |
| Matagorda County | 720 N 64Th St, Waco 76710 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: McLennan County · Payday Loans in Bellmead · Title Loans in Bellmead
Frequently asked questions
Can I get a personal loan with bad credit in Bellmead?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Bellmead. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Bellmead, 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 Bellmead?
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.
Where can I find a loan for bad credit in Bellmead?
You can apply at local banks and lenders in Bellmead, 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.
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.
How do I apply for a personal loan with bad credit in Bellmead?
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 an emergency loan with bad credit in Bellmead?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Bellmead residents can see if they qualify in about 3 minutes.
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 Bellmead borrowers who qualify.
Do I need to visit a store in Bellmead?
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.