Personal loans in Lufkin, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lufkin, TX.
The median household in Lufkin earns $57,048 a year, 27% below the Texas median of $78,476. About 18% of residents live below the federal poverty line, and 48.4% of households rent their home.
Texas law that applies in Lufkin
| 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 Lufkin
Most Lufkin 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 Lufkin
What Lufkin borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Lufkin
- 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 Lufkin
19 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Commercial Bank of Texas, National Association | 3 | 600 S 1st St, Lufkin 75901 |
| Southside Bank | 3 | 2510 W Frank Ave, Lufkin 75904 |
| UBank | 2 | 2120 S 1st St, Lufkin 75901 |
| Regions Bank | 2 | 221 S 2nd St, Lufkin 75901 |
| BOM Bank | 2 | 3001 S John Redditt Dr, Lufkin 75904 |
| The Huntington National Bank | 2 | 2918 Brentwood Dr, Lufkin 75901 |
| VeraBank, National Association | 1 | 805 S John Redditt Dr, Lufkin 75904 |
| Angelina Savings Bank, SSB | 1 | 1721 Tulane Dr, Lufkin 75901 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lufkin
8 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| East Texas Professional | 406 College Dr, Lufkin 75904 |
| Genco | 1402 S John Redditt Dr, Lufkin 75904 |
| Southland | 2601 S John Redditt Dr, Lufkin 75904 |
| Lufkin | 204 Gobblers Knob Rd, Lufkin 75904 |
| Aspire | 900 Pershing Ave, Lufkin 75904 |
| Angelina County Teachers | 402 S Medford Dr, Lufkin 75901 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Angelina County · Payday Loans in Lufkin · Title Loans in Lufkin
Frequently asked questions
Can I get a personal loan with bad credit in Lufkin?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Lufkin. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Lufkin, 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 Lufkin?
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 Lufkin 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. Lufkin residents can see if they qualify for $100 to $5,000 in about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Lufkin borrowers who qualify.
How long does it take to get a personal loan in Lufkin?
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 Lufkin.
How can I get an emergency loan in Lufkin?
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.
Where can I find a loan for bad credit in Lufkin?
You can apply at local banks and lenders in Lufkin, 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.
Do I need to visit a store in Lufkin?
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.