Personal loans in Garland, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Garland, TX.
The median household in Garland earns $76,320 a year, about the same as the Texas median of $78,476. About 13% of residents live below the federal poverty line, and 38.4% of households rent their home.
Texas law that applies in Garland
| 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 Garland
Most Garland 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 Garland
What Garland borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Garland
- 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 Garland
36 FDIC-insured bank branches from 20 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 7 | 111 S Garland Ave, Garland 75040 |
| Bank of America, National Association | 4 | 1913 S Garland Ave, Garland 75040 |
| Wells Fargo Bank, National Association | 3 | 3432 W Buckingham Rd, Garland 75042 |
| Truist Bank | 2 | 2720 Belt Line Rd, Garland 75044 |
| PNC Bank, National Association | 2 | 111 N Glenbrook Dr, Garland 75040 |
| Woodforest National Bank | 2 | 3959 Broadway Blvd, Garland 75043 |
| First National Bank Texas | 2 | 1406 W Walnut St, Garland 75042 |
| Frost Bank | 2 | 5225 N Garland Ave, Garland 75040 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Garland
10 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 5102 N President George Bush Hwy, Garland 75040 |
| Randolph-Brooks | 5175 N President George Bush Hwy, Garland 75040 |
| Texas Dow Employees | 1920 Northwest Hwy, Garland 75041 |
| Credit Union Of Texas | 5021 N Garland Ave, Garland 75040 |
| Texans | 626 Austin St, Garland 75040 |
| Firefighters First | 901 W Campbell Rd Ste B, Garland 75044 |
| Resource One | 302 W Centerville Rd, Garland 75041 |
| America'S | 2154 Forest Ln, Garland 75042 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dallas County · Collin County · Rockwall County · Payday Loans in Garland · Title Loans in Garland
Frequently asked questions
Can I get a personal loan with bad credit in Garland?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Garland. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Garland, 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 Garland?
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 Garland?
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. Garland residents can see if they qualify 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. Garland 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 Garland?
You can apply at local banks and lenders in Garland, 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 Garland 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. Garland residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Garland?
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.