Personal loans in Texarkana, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Texarkana, TX.
The median household in Texarkana earns $50,573 a year, 36% below the Texas median of $78,476. About 22% of residents live below the federal poverty line, and 48.4% of households rent their home. 13.3% of households have no home internet; our form works on any phone.
Texas law that applies in Texarkana
| 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 Texarkana
Here's what to have on hand before you start your personal loan request in Texarkana:
- 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 Texarkana
What Texarkana borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a personal loan in Texarkana
- 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 Texarkana
20 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glacier Bank | 3 | 2202 Saint Michael Dr, Texarkana 75503 |
| Farmers Bank & Trust Company | 2 | 5600 Richmond Rd, Texarkana 75503 |
| The Huntington National Bank | 2 | 3000 New Boston Rd, Texarkana 75501 |
| Commercial National Bank of Texarkana | 2 | 5515 Summerhill Rd, Texarkana 75503 |
| State Bank of De Kalb | 2 | 3315 Richmond Rd, Texarkana 75503 |
| Regions Bank | 1 | 2000 Richmond Rd, Texarkana 75503 |
| Capital One, National Association | 1 | 2318 Richmond Rd, Texarkana 75503 |
| Wells Fargo Bank, National Association | 1 | 2317 Richmond Rd, Texarkana 75503 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Texarkana
19 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 4405 Summerhill Rd, Texarkana 75503 |
| Texar | 2301 Richmond Rd, Texarkana 75503 |
| Mil-Way | 5001 W 7Th St, Texarkana 75501 |
| Domino | 4702 S Lake Dr, Texarkana 75501 |
| Texarkana Terminal Employees | 3801 Texas Blvd, Texarkana 75503 |
| Morris Sheppard Texarkana | 419 W 4Th St, Texarkana 75501 |
| Swemp | 601 Olive St, Texarkana 75501 |
| Federal Employees | 501 North State Line Av, Texarkana 75501 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Bowie County · Payday Loans in Texarkana · Title Loans in Texarkana
Frequently asked questions
Can I get a personal loan with bad credit in Texarkana?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Texarkana. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Texarkana, 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 Texarkana?
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 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 Texarkana with our free 3-minute form.
How can I get an emergency loan in Texarkana?
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.
How do I apply for a personal loan with bad credit in Texarkana?
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.
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. Texarkana residents can see their options in about 3 minutes.
Can I get a personal loan in Texarkana 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. Texarkana residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Do I need to visit a store in Texarkana?
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.