Personal loans in Lewisville, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lewisville, TX.
The median household in Lewisville earns $89,233 a year, 14% above the Texas median of $78,476. About 8% of residents live below the federal poverty line, and 53.7% of households rent their home.
Texas law that applies in Lewisville
| 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 Lewisville
Most Lewisville 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 Lewisville
What Lewisville borrowers use it for
the fastest options online
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Lewisville
- 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 Lewisville
21 FDIC-insured bank branches from 16 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthState Bank, National Association | 2 | 2100 Fm 407, Lewisville 75077 |
| First National Bank Texas | 2 | 801 W Main St, Lewisville 75067 |
| Bank of America, National Association | 2 | 440 E Fm 3040, Lewisville 75067 |
| PNC Bank, National Association | 2 | 484 E Fm 3040, Lewisville 75067 |
| Truist Bank | 2 | 1081 W Main St, Lewisville 75067 |
| JPMorgan Chase Bank, National Association | 1 | 925 W Main St, Lewisville 75067 |
| Fifth Third Bank, National Association | 1 | 1686 S State Highway 121, Lewisville 75067 |
| Pointbank | 1 | 915 W Main St, Lewisville 75067 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lewisville
6 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Sun Pacific | 2501 S State Highway 121 Bus, Lewisville 75067 |
| Credit Union Of Texas | 6201 N Josey Ln Ste 214, Lewisville 75056 |
| Texans | 2613 Denton Tap Rd, Lewisville 75067 |
| Datcu | 1080 Civic Cir, Lewisville 75067 |
| Skyone | 209 State Highway 121 Byp, Lewisville 75067 |
| Happy Valley | 2501 S State Highway 121 Bus, Lewisville 75067 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Dallas County · Denton County · Payday Loans in Lewisville · Title Loans in Lewisville
Frequently asked questions
Can I get a personal loan with bad credit in Lewisville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Lewisville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lewisville, 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 Lewisville?
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 do I apply for a personal loan with bad credit in Lewisville?
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.
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. Lewisville 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 Lewisville?
You can apply at local banks and lenders in Lewisville, 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.
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 Lewisville with our free 3-minute form.
Do I need to visit a store in Lewisville?
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.