Personal loans in Dallas, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dallas, TX.
The median household in Dallas earns $70,518 a year, 10% below the Texas median of $78,476. About 17% of residents live below the federal poverty line, and 57.6% of households rent their home.
Texas law that applies in Dallas
| 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 Dallas
Most Dallas 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 Dallas
What Dallas borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Dallas
- 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 Dallas
373 FDIC-insured bank branches from 98 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 41 | 6437 Hillcrest Ave, Dallas 75205 |
| Bank of America, National Association | 26 | 400 S Zang Blvd, Dallas 75208 |
| Wells Fargo Bank, National Association | 26 | 1445 Ross Ave, Dallas 75202 |
| Fifth Third Bank, National Association | 21 | 1717 Main St, Dallas 75201 |
| PNC Bank, National Association | 19 | 17218 Preston Rd, Dallas 75252 |
| Prosperity Bank | 18 | 3515 W Camp Wisdom Rd, Dallas 75237 |
| Truist Bank | 15 | 15150 Preston Rd, Dallas 75248 |
| First National Bank Texas | 14 | 7401 Samuell Blvd, Dallas 75228 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dallas
43 credit-union locations from 26 credit unions.
| Credit union | Location |
|---|---|
| U. S. Employees O. C. | 400 S Akard St, Dallas 75202 |
| Neiman Marcus Group Employees | 1618 Main St, Dallas 75201 |
| Methodist Hospital Employees | 1441 N Beckley Ave, Dallas 75203 |
| Farmers | 11830 Webb Chapel Rd, Dallas 75234 |
| Navy Federal Credit Union | 6451 E Northwest Hwy Ste 120, Dallas 75231 |
| Pentagon | Aafes Headquarters, Dallas 75236 |
| Credit Union Of Texas | 3305 Ross Ave, Dallas 75204 |
| Texans | 2241 Irving Blvd, Dallas 75207 |
| Advancial | 10000 N Central Expy Ste 1400, Dallas 75231 |
| Neighborhood | 13649 Montfort Dr, Dallas 75240 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dallas County · Collin County · Denton County · Kaufman County · Rockwall County · Payday Loans in Dallas · Title Loans in Dallas
Frequently asked questions
Can I get a personal loan with bad credit in Dallas?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Dallas. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Dallas, 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 Dallas?
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 long does it take to get a personal loan in Dallas?
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 Dallas.
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.
Where can I find a loan for bad credit in Dallas?
You can apply at local banks and lenders in Dallas, 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 in Dallas 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. Dallas residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do I apply for a personal loan with bad credit in Dallas?
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.
Do I need to visit a store in Dallas?
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.