Personal loans in Flower Mound, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Flower Mound, TX.
The median household in Flower Mound earns $161,235 a year, 105% above the Texas median of $78,476. About 4% of residents live below the federal poverty line, and 17.5% of households rent their home.
Texas law that applies in Flower Mound
| 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 Flower Mound
Most Flower Mound 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 Flower Mound
What Flower Mound borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Flower Mound
- 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 Flower Mound
19 FDIC-insured bank branches from 12 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 4 | 2211 Cross Timbers Rd, Flower Mound 75028 |
| Bank of America, National Association | 3 | 825 Cross Timbers Rd, Flower Mound 75028 |
| PNC Bank, National Association | 2 | 2631 Cross Timbers Rd, Flower Mound 75028 |
| Wells Fargo Bank, National Association | 2 | 2820 Flower Mound Rd, Flower Mound 75022 |
| Ciera Bank | 1 | 1801 Cross Timbers Rd, Flower Mound 75028 |
| American National Bank & Trust | 1 | 1201 Cross Timbers Rd, Flower Mound 75028 |
| Pointbank | 1 | 4920 Long Prairie Rd, Flower Mound 75028 |
| SouthState Bank, National Association | 1 | 2881 Cross Timbers Rd, Flower Mound 75028 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Flower Mound
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 6101 Long Prairie Rd, Flower Mound 75028 |
| Texas Trust | 2501 Flower Mound Rd, Flower Mound 75028 |
| Datcu | 2935 Long Prairie Rd, Flower Mound 75022 |
| Worth | 3548 Long Prairie Rd, Flower Mound 75022 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Tarrant County · Denton County · Payday Loans in Flower Mound · Title Loans in Flower Mound
Frequently asked questions
Can I get a personal loan with bad credit in Flower Mound?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Flower Mound. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Flower Mound, 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 Flower Mound?
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.
Can I get an emergency loan with bad credit in Flower Mound?
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. Flower Mound residents can see if they qualify 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 Flower Mound with our free 3-minute form.
How long does it take to get a personal loan in Flower Mound?
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 Flower Mound.
How do I apply for a personal loan with bad credit in Flower Mound?
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 Flower Mound?
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.