Personal loans in Longview, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Longview, TX.
The median household in Longview earns $63,340 a year, 19% below the Texas median of $78,476. About 17% of residents live below the federal poverty line, and 45.3% of households rent their home.
Texas law that applies in Longview
| 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 Longview
Most Longview 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 Longview
What Longview borrowers use it for
handle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
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 Longview
- 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 Longview
40 FDIC-insured bank branches from 19 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Texas Bank and Trust Company | 6 | 300 E Whaley St, Longview 75601 |
| Austin Bank, Texas National Association | 5 | 3400 W Marshall Ave, Longview 75604 |
| Community Bank | 3 | 101 Community Blvd, Longview 75605 |
| VeraBank, National Association | 3 | 5001 Estes Pkwy, Longview 75603 |
| The Huntington National Bank | 3 | 3120 H G Mosley Pkwy, Longview 75605 |
| Regions Bank | 2 | 722 W Marshall Ave, Longview 75601 |
| Spring Hill State Bank | 2 | 3700 Gilmer Rd, Longview 75604 |
| JPMorgan Chase Bank, National Association | 2 | 2606 Judson Rd, Longview 75605 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Longview
16 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Eastman | 304 Central Avenue, Longview 75602 |
| Barksdale | 1507 Pine Tree Rd, Longview 75604 |
| East Texas Professional | 319 E Loop 281, Longview 75605 |
| Telco Plus | 423 Gilmer Rd, Longview 75604 |
| T & P Longview | 2320 N Eastman Rd, Longview 75605 |
| Sweetex | 4421 W Loop 281, Longview 75604 |
| Longview | 423 Gilmer Rd, Longview 75604 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Gregg County · Harrison County · Payday Loans in Longview · Title Loans in Longview
Frequently asked questions
Can I get a personal loan with bad credit in Longview?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Longview. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Longview, 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 Longview?
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 installment loans work in Longview?
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. Longview residents can see installment loan offers with our free 3-minute form.
How can I get an emergency loan in Longview?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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 Longview?
You can apply at local banks and lenders in Longview, 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 do I apply for a personal loan with bad credit in Longview?
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.
Do I need to visit a store in Longview?
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.