Personal loans in College Station, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for College Station, TX.
The median household in College Station earns $50,900 a year, 35% below the Texas median of $78,476. About 29% of residents live below the federal poverty line, and 64.6% of households rent their home.
Texas law that applies in College Station
| 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 College Station
Most College Station 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 College Station
What College Station borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in College Station
- 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 College Station
38 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Prosperity Bank | 6 | 410 Southwest Pkwy E, College Station 77840 |
| Wells Fargo Bank, National Association | 3 | 200 Southwest Pkwy E, College Station 77840 |
| American Momentum Bank | 3 | 4030 Highway 6 S, College Station 77845 |
| First Financial Bank | 3 | 2445 Harvey Mitchell Pkwy S, College Station 77845 |
| Bank of America, National Association | 2 | 111 University Dr E, College Station 77840 |
| Truist Bank | 2 | 2717 Texas Ave S, College Station 77840 |
| Amarillo National Bank | 2 | 1221 University Dr E, College Station 77840 |
| JPMorgan Chase Bank, National Association | 2 | 2000 Texas Ave S, College Station 77840 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in College Station
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Greater Texas | 201 Southwest Pkwy E, College Station 77840 |
| Brazos Valley Schools | 2298 Longmire Dr, College Station 77845 |
| Brazos Star | 701 Harvey Rd, College Station 77840 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Brazos County · Payday Loans in College Station · Title Loans in College Station
Frequently asked questions
Can I get a personal loan with bad credit in College Station?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including College Station. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in College Station, 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 College Station?
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. College Station residents can see their options in about 3 minutes.
How can I get an emergency loan in College Station?
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 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.
Can I get a personal loan in College Station 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. College Station 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 College Station with our free 3-minute form.
Do I need to visit a store in College Station?
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.