Personalloaned Compare rates

TX · city page

Personal loans in Bellevue, TX

For residents of Bellevue, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. With roughly 302 people, Bellevue ranks 1,086th of 1,224 Census places in Texas. Every lender serving Texas must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Bellevue at a glance

  • Population: 302 — 1,086th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: the 2020 count put the population at 288 (US Census Bureau).
  • 2020 to 2023 change: about 4.9% more residents than the 2020 Census base (US Census Bureau).
  • Rank among Texas places: 1,086th out of 1,224 Census places (US Census Bureau).
  • Size percentile: ahead of around 11% of Texas places in population terms (US Census Bureau).
  • Coordinates: 33.6335, -98.0163 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Bowie, TX (11 mi); Henrietta, TX (16 mi); Nocona, TX (19 mi); Windthorst, TX (24 mi); Scotland, TX (26 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller towns: Terral, OK (19 mi); Jolly, TX (25 mi); Sugden, OK (31 mi) — US Census Bureau populations.

What a personal loan costs in Bellevue

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Texas lending rules that apply in Bellevue

The table carries the Texas rate and licensing rules that apply to consumer loans made in Bellevue.

RuleDetailSource
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
State lending regulatorTexas Office of Consumer Credit Commissioner (OCCC)
Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas.		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
Maximum legal interest rate (usury cap)10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001)
Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law.		Texas Legislature (Texas Constitution and Statutes)
as of 2026-09-16
Payday lending statusLegal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393)
Source says: the credit access business that serves as the broker is the licensee in this regulated industry		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16

How to compare offers in Bellevue

Here is a short checklist for comparing personal loans in Bellevue:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Bellevue?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Bellevue are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Bellevue?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Bellevue require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Bellevue hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related