Personal loans in Colleyville, TX

The first question in Colleyville is not the rate on offer but whether the payment fits; about 25,736 people live here under Texas lending law. Colleyville ranks 122nd of 1,224 places in Texas, with a population near 25,736.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Read the disclosure for an origination fee and any prepayment penalty before signing in Colleyville. The trend for Colleyville between 2020 and 2023 is downward by roughly 1.2%. A single loan can carry different costs on either side of a state line, and Colleyville sits on the Texas side of that line. The nearest larger metro is Bedford, TX about 3 miles away.

Where Colleyville stands

Here is the sourced Census picture for Colleyville, plus the Texas lending rules that apply to a loan taken out here.

Where Colleyville sits

Colleyville's land area is about 13.1 square miles; a further 0.10 square miles is water. That land carries about 1,962 people per square mile. The largest place in Texas, Houston, lies about 238 miles away. Counting outward 50 miles, 48 larger communities surround Colleyville. The 100-mile radius contains 52 larger places.

How Colleyville compares across Texas

Colleyville is the 122nd-largest of 1,224 Census places in Texas and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 986th of 1,224 Texas places, putting it near the 19th percentile for growth. By density, at about 1,962 people per square mile, it ranks 181st in Texas. In land area, Colleyville ranks 166th among Texas's 1,224 places.

Borrowing reach in Colleyville

Colleyville is a moderately settled community of about 25,736 people, with 48 larger places inside a 50-mile radius. Distance to a branch rarely matters for Colleyville's 25,736 residents: the application is online and the price follows your credit file. The nearest bigger place is Bedford, TX about 3 miles away.

A practical checklist for Colleyville borrowers

Before you hand your details to a lender in Colleyville, where the population is near 25,736:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the lender holds a Texas licence by checking the regulator named above.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Texas; what changes is your credit file, not the fact that Colleyville holds 25,736 people.

The state rulebook for Colleyville

This table holds the Texas rate and licensing rules for consumer loans made to Colleyville's 25,736 residents.

RuleDetailSource
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 we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Colleyville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Colleyville is the same as anywhere in Texas.
What loan size can I expect in Colleyville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Colleyville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Colleyville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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