Personal loans in Four Corners, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Four Corners, TX.
The median household in Four Corners earns $76,452 a year, about the same as the Texas median of $78,476. About 8% of residents live below the federal poverty line, and 26.1% of households rent their home.
Texas law that applies in Four Corners
| 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 Four Corners
Lenders that serve Four Corners 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 Four Corners
What Four Corners borrowers use it for
the fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in Four Corners
- 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 Fort Bend County
156 FDIC-insured bank branches from 45 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 17 | 2910 Avenue H, Rosenberg 77471 |
| JPMorgan Chase Bank, National Association | 17 | 4997 Sweetwater Blvd, Sugar Land 77479 |
| Prosperity Bank | 12 | 13325 Highway 36, Needville 77461 |
| Bank of America, National Association | 12 | 4710 Highway 6, Sugar Land 77479 |
| PNC Bank, National Association | 9 | 2520 Highway 6, Sugar Land 77478 |
| Regions Bank | 9 | 2310 Highway 6, Sugar Land 77478 |
| Frost Bank | 6 | 620 Highway 6, Sugar Land 77478 |
| Zions Bancorporation, N.A. | 6 | 25670 Southwest Fwy, Rosenberg 77471 |
| Woodforest National Bank | 6 | 345 Highway 6, Sugar Land 77478 |
| Fifth Third Bank, National Association | 5 | 1 Sugar Creek Center Blvd, Sugar Land 77478 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Fort Bend County
45 credit-union locations from 18 credit unions.
| Credit union | Location |
|---|---|
| Primeway | 4935 Highway 6, Missouri City 77459 |
| Ila 1351 | 16320 Kensington Dr, Sugar Land 77479 |
| Navy Federal Credit Union | 310 Highway 6 Ste 200, Sugar Land 77478 |
| Texas Dow Employees | 9109 Sienna Christus Drive, Missouri City 77459 |
| First Community | 3400 Highway 6, Sugar Land 77478 |
| Advancial | 23525 Katy Fwy, Katy 77494 |
| Jsc | 6711 S Fry Rd, Katy 77494 |
| First Service | 23665 Katy Freeway, Katy 77494 |
| Brazos Valley Schools | 3261 Rocky Creek Dr, Missouri City 77459 |
| Gulf Coast Educators | 27252 Katy Fwy, Katy 77494 |
| Texas Bay | 4747 Fm 1463 Rd Ste 1000, Katy 77494 |
| Houston | 16320 Kensington Dr, Sugar Land 77479 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Fort Bend County · Payday Loans in Four Corners · Title Loans in Four Corners
Frequently asked questions
Can I get a personal loan with bad credit in Four Corners?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Four Corners. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Four Corners, 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 Four Corners?
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 a personal loan in Four Corners 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. Four Corners residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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. Four Corners residents can see their options in about 3 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.
Where can I find a loan for bad credit in Four Corners?
You can apply at local banks and lenders in Four Corners, 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.
How long does it take to get a personal loan in Four Corners?
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 Four Corners.
Do I need to visit a store in Four Corners?
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.