Personal loans in Stephenville, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Stephenville, TX.
The median household in Stephenville earns $53,015 a year, 32% below the Texas median of $78,476. About 20% of residents live below the federal poverty line, and 55.7% of households rent their home.
Texas law that applies in Stephenville
| 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 Stephenville
Lenders that serve Stephenville 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 Stephenville
What Stephenville borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Stephenville
- 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 Stephenville
11 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| InterBank | 3 | 150 S Harbin Dr, Stephenville 76401 |
| First Financial Bank | 2 | 2201 W South Loop, Stephenville 76401 |
| TexasBank | 2 | 998 Wolfe Nursery Rd, Stephenville 76401 |
| First National Bank Texas | 1 | 2765 W Washington St, Stephenville 76401 |
| Farmers and Merchants Bank | 1 | 2653 W Washington St, Stephenville 76401 |
| Citizens National Bank of Texas | 1 | 2207 W Washington St, Stephenville 76401 |
| Wellington State Bank | 1 | 2895 Northwest Loop, Stephenville 76401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Stephenville
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Eecu | 1865 W Washington St, Stephenville 76401 |
| Members Trust Of The Southwest | 2311 Robert J Glasgow Loop, Stephenville 76401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Erath County · Payday Loans in Stephenville · Title Loans in Stephenville
Frequently asked questions
Can I get a personal loan with bad credit in Stephenville?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Stephenville. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Stephenville, 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 Stephenville?
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 Stephenville 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. Stephenville 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 Stephenville borrowers who qualify.
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. Stephenville residents can see their options in about 3 minutes.
How long does it take to get a personal loan in Stephenville?
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 Stephenville.
How can I get an emergency loan in Stephenville?
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.
Do I need to visit a store in Stephenville?
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.