Personal Loans in Dallas, TX

Whether it's debt consolidation, home improvement, or an unexpected expense - we match you with lenders offering competitive rates.

✓ No credit impact • ✓ 100% free • ✓ Takes 2 minutes

50,000+

People Matched

$25M+

In Approved Loans

4.8★

From Real Users

2 Min

Average Time

How It Works

Getting matched with the right lender is simple and fast

Tell Us About You

Quick 2-minute form. No impact on your credit score.

We Compare Options

Our platform searches hundreds of trusted lenders for you.

Choose Your Loan

Review personalized offers and select the best one.

Why Choose SwipeSolutions in Dallas?

Built By Humans Who Get It

We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.

AI That Works For You

Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.

Personal Loans in Dallas: What You Need to Know

Local lending landscape and Texas regulations

680 Texas Average Credit Score Ranked #48 in the U.S.

23.2% Subprime Borrowers Residents with credit below 670

$54,747 Dallas Median Income Annual household income

104 Cost of Living Index Near average (100 = U.S. avg)

Texas Lending Regulations

Texas allows payday and title lending with minimal state restrictions, though some cities have local ordinances limiting fees.

Maximum APR: No cap

Payday Loans: ✓ Allowed

Consumer Protections: Limited state regulation, some city ordinances

SwipeSolutions Tip for Dallas Borrowers

Dallas-Fort Worth has some of the most aggressive payday and title lenders in the country due to Texas's minimal regulations. Alternatives like Credit Human FCU and OnPoint Community Credit Union offer much better terms for personal loans, even with imperfect credit.

"The Dallas metro area has over 2,000 payday and title loan storefronts - more than McDonald's locations - but credit unions here offer rates as much as 300% lower."
- SwipeSolutions, Dallas Market Analysis

Dallas Personal Loans FAQ

Common questions from Dallas residents

Yes! Dallas residents can qualify for personal loans even with credit scores below 600. Our lending partners consider your whole financial picture, not just your credit score. Many Dallas borrowers get approved within minutes.

Most Dallas applicants receive a decision within 2-5 minutes. If approved, funds can be deposited as soon as the next business day. Some lenders offer same-day funding for qualified Texas borrowers.

Our network includes lenders who work with credit scores as low as 500. Better rates are available for scores above 580, but Dallas residents with any credit history are encouraged to check their options with no impact to their score.

Yes, absolutely! Our service is 100% free for Dallas borrowers. We're compensated by lenders when we successfully match them with qualified applicants. You'll never pay a fee to use our platform.

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