Personal loans in Irving, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Irving, TX.
The median household in Irving earns $81,830 a year, about the same as the Texas median of $78,476. About 11% of residents live below the federal poverty line, and 61.9% of households rent their home.
Texas law that applies in Irving
| 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 Irving
Most Irving 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 Irving
What Irving borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a personal loan in Irving
- 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 Irving
47 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 6 | 545 E John Carpenter Fwy, Irving 75062 |
| Bank of America, National Association | 5 | 2706 W Irving Blvd, Irving 75061 |
| First National Bank Texas | 5 | 1635 Market Pl, Irving 75063 |
| Wells Fargo Bank, National Association | 3 | 900 W Airport Fwy, Irving 75062 |
| PNC Bank, National Association | 3 | 4925 N O Connor Rd, Irving 75062 |
| Fifth Third Bank, National Association | 3 | 301 W Irving Blvd, Irving 75060 |
| Frost Bank | 3 | 2710 N Belt Line Rd, Irving 75062 |
| State Bank of Texas | 2 | 111 W John Carpenter Frwy, Irving 75039 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Irving
11 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 4301 Regent Blvd Ste 110, Irving 75063 |
| Methodist Hospital Employees | 1235 N Union Bower Rd, Irving 75061 |
| Pentagon | 6191 N State Highway 161 Ste 500, Irving 75038 |
| Credit Union Of Texas | 6911 N Macarthur Blvd, Irving 75039 |
| Texans | 555 Cimarron Trl, Irving 75063 |
| Texas Trust | 7255 State Highway 161, Irving 75039 |
| Resource One | 2315 W Airport Fwy, Irving 75062 |
| Mobility Credit Union | 8384 N Belt Line Rd, Irving 75063 |
| Irving City Employees | 1408 W Pioneer Dr, Irving 75061 |
| The Local | 1408 W Pioneer Dr, Irving 75061 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dallas County · Payday Loans in Irving · Title Loans in Irving
Frequently asked questions
Can I get a personal loan with bad credit in Irving?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Irving. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Irving, 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 Irving?
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.
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 Irving with our free 3-minute form.
How long does it take to get a personal loan in Irving?
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 Irving.
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. Irving residents can see their options in about 3 minutes.
Can I get a personal loan in Irving 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. Irving residents can see if they qualify for $100 to $5,000 in about 3 minutes.
How do installment loans work in Irving?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Irving residents can see installment loan offers with our free 3-minute form.
Do I need to visit a store in Irving?
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.