Personal loans in North Richland Hills, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for North Richland Hills, TX.
The median household in North Richland Hills earns $97,305 a year, 24% above the Texas median of $78,476. About 7% of residents live below the federal poverty line, and 36.5% of households rent their home.
Texas law that applies in North Richland Hills
| 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 North Richland Hills
Most North Richland Hills 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 North Richland Hills
What North Richland Hills borrowers use it for
pay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in North Richland Hills
- 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 North Richland Hills
14 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 3 | 6964 Boulevard 26, North Richland Hills 76180 |
| Frost Bank | 3 | 9001 Airport Fwy, North Richland Hills 76180 |
| The Huntington National Bank | 2 | 7001 Boulevard 26, North Richland Hills 76180 |
| First National Bank Texas | 1 | 6401 Ne Loop 820, North Richland Hills 76180 |
| Woodforest National Bank | 1 | 9101 N Tarrant Pkwy, North Richland Hills 76182 |
| Bank of America, National Association | 1 | 8612 Davis Blvd, North Richland Hills 76182 |
| JPMorgan Chase Bank, National Association | 1 | 8901 N Tarrant Pkwy, North Richland Hills 76182 |
| Truist Bank | 1 | 8501 Airport Fwy, North Richland Hills 76180 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in North Richland Hills
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Eecu | 9009 N Tarrant Pkwy, North Richland Hills 76182 |
| Worth | 8524 Davis Blvd, North Richland Hills 76182 |
| Unity One | 7020 Mid Cities Blvd Rm 103, North Richland Hills 76180 |
| Trugrocer | 8517 Davis Blvd, North Richland Hills 76182 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Tarrant County · Payday Loans in North Richland Hills · Title Loans in North Richland Hills
Frequently asked questions
Can I get a personal loan with bad credit in North Richland Hills?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including North Richland Hills. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in North Richland Hills, 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 North Richland Hills?
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.
Where can I find a loan for bad credit in North Richland Hills?
You can apply at local banks and lenders in North Richland Hills, 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 can I get an emergency loan in North Richland Hills?
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.
How do I apply for a personal loan with bad credit in North Richland Hills?
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 long does it take to get a personal loan in North Richland Hills?
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 North Richland Hills.
Do I need to visit a store in North Richland Hills?
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.