Personal loans in Marshall, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Marshall, TX.
The median household in Marshall earns $55,089 a year, 30% below the Texas median of $78,476. About 22% of residents live below the federal poverty line, and 40.2% of households rent their home. 11.2% of households have no home internet; our form works on any phone.
Texas law that applies in Marshall
| 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 Marshall
Lenders that serve Marshall typically ask for the following:
- 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 Marshall
What Marshall borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
How to get a personal loan in Marshall
- 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 Marshall
9 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 1 | 112 W Austin St, Marshall 75670 |
| PNC Bank, National Association | 1 | 412 E Grand Ave, Marshall 75670 |
| Austin Bank, Texas National Association | 1 | 1210 E Pinecrest Dr, Marshall 75670 |
| Texas Bank and Trust Company | 1 | 715 E End Blvd S, Marshall 75670 |
| VeraBank, National Association | 1 | 2203 Victory Dr, Marshall 75672 |
| The Huntington National Bank | 1 | 1101 E Pinecrest Dr, Marshall 75670 |
| Woodforest National Bank | 1 | 1701 E End Blvd N, Marshall 75670 |
| Texas National Bank of Jacksonville | 1 | 716 E End Blvd S, Marshall 75670 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Marshall
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 1910 Karnack Hwy, Marshall 75672 |
| East Texas Professional | 305 S Alamo Blvd, Marshall 75670 |
| Marshall T & P Employees | 406 Greenwood Ave, Marshall 75670 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Harrison County · Payday Loans in Marshall · Title Loans in Marshall
Frequently asked questions
Can I get a personal loan with bad credit in Marshall?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Marshall. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Marshall, 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 Marshall?
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 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 Marshall borrowers who qualify.
Where can I find a loan for bad credit in Marshall?
You can apply at local banks and lenders in Marshall, 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 Marshall?
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.
How can I get an emergency loan in Marshall?
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.
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 Marshall with our free 3-minute form.
Do I need to visit a store in Marshall?
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.