Personal loans in Texas City, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Texas City, TX.
The median household in Texas City earns $68,776 a year, 12% below the Texas median of $78,476. About 16% of residents live below the federal poverty line, and 43.5% of households rent their home.
Texas law that applies in Texas City
| 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 Texas City
Most Texas City 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 Texas City
What Texas City borrowers use it for
pay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Loans for your situation
How to get a personal loan in Texas City
- 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 Texas City
6 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Investar Bank, National Association | 1 | 2501 Palmer Hwy, Texas City 77590 |
| Texas First Bank | 1 | 3232 Palmer Hwy, Texas City 77590 |
| The Moody National Bank | 1 | 7940 Emmett F Lowry Expy, Texas City 77591 |
| Regions Bank | 1 | 1110 25th St N, Texas City 77590 |
| PNC Bank, National Association | 1 | 2131 Palmer Hwy, Texas City 77590 |
| Frost Bank | 1 | 2831 Palmer Highway, Texas City 77590 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Texas City
9 credit-union locations from 6 credit unions.
| Credit union | Location |
|---|---|
| Texas Dow Employees | 6151 Gulf Freeway, Texas City 77591 |
| Jsc | 2300 Gulf Fwy, Texas City 77591 |
| Amoco | 2401 5Th Ave S, Texas City 77590 |
| Openland | 1326 9Th Ave N, Texas City 77590 |
| Synergy | 1201 25Th Ave N, Texas City 77590 |
| Gulf Shore | 1306 N Logan St, Texas City 77590 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Galveston County · Chambers County · Payday Loans in Texas City · Title Loans in Texas City
Frequently asked questions
Can I get a personal loan with bad credit in Texas City?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including Texas City. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Texas City, 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 Texas City?
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 an emergency loan with bad credit in Texas City?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. Texas City residents can see if they qualify in about 3 minutes.
How can I get an emergency loan in Texas City?
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 in Texas City 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. Texas City residents can see if they qualify for $100 to $5,000 in about 3 minutes.
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. Texas City residents can see their options in about 3 minutes.
Where can I find a loan for bad credit in Texas City?
You can apply at local banks and lenders in Texas City, 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 Texas City?
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.