Personal loans in Carrollton, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carrollton, TX.
The median household in Carrollton earns $101,396 a year, 29% above the Texas median of $78,476. About 7% of residents live below the federal poverty line, and 41.5% of households rent their home.
Texas law that applies in Carrollton
| 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 Carrollton
Lenders that serve Carrollton 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 Carrollton
What Carrollton borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Carrollton
- 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 Carrollton
28 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 5 | 3040 E Trinity Mills Rd, Carrollton 75006 |
| JPMorgan Chase Bank, National Association | 4 | 1801 E Hebron Pkwy, Carrollton 75010 |
| Bank of America, National Association | 2 | 1101 S Josey Ln, Carrollton 75006 |
| Prosperity Bank | 2 | 1801 Keller Springs Rd, Carrollton 75006 |
| Frost Bank | 2 | 1111 W Belt Line Rd, Carrollton 75006 |
| Bank of England | 2 | 2245 Keller Way, Carrollton 75006 |
| Fifth Third Bank, National Association | 1 | 2625 N Josey Ln, Carrollton 75007 |
| Woodforest National Bank | 1 | 1213 E Trinity Mills Rd, Carrollton 75006 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carrollton
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Texans | 3601 N Josey Ln, Carrollton 75007 |
| Resource One | 2501 E Hebron Pkwy Ste 300, Carrollton 75010 |
| Nizari Progressive | 3564 North Josey Ln, Carrollton 75007 |
| Valwood Park | 1001 E Crosby Rd, Carrollton 75006 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dallas County · Collin County · Denton County · Payday Loans in Carrollton · Title Loans in Carrollton
Frequently asked questions
Can I get a personal loan with bad credit in Carrollton?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Carrollton. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Carrollton, 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 Carrollton?
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 can I get an emergency loan in Carrollton?
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.
Can I get a personal loan in Carrollton 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. Carrollton residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How long does it take to get a personal loan in Carrollton?
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 Carrollton.
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. Carrollton residents can see their options 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 Carrollton with our free 3-minute form.
Do I need to visit a store in Carrollton?
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.