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The offers that appear on are from companies from which receives compensation. This compensation may impact how and where (including the order in which) offers are presented to consumers. does not make loan offers but instead pairs potential borrowers with lenders and lending partners. We are not a lender, do not make credit decisions, broker loans, or make short-term cash loans. We also do not charge fees to potential borrowers for our services and do not represent or endorse any particular participating lender or lending partner, service, or product. Submitting a request allows us to refer you to third-party lenders and lending partners and does not constitute approval for a loan. What you may be presented is not inclusive of all lenders/loan products and not all lenders will be able to make you an offer for a loan.

Request unsecured and secured funding from loan companies in Mcallen, TX. Our lenders offer personal loans online for up to $40,000. Next business day funding!

Personal Loans in McAllen

The passage by the United States Congress of the North American Free Trade Agreement (NAFTA) in 1994 dramatically changed the face of the McAllen economy. What was once a primarily agriculture-driven economy morphed into a major trading hub between the United States and Mexico, with Central America countries such as Honduras and El Salvador gaining an increasing share of the international trade dollar.

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Located just south of the city, the McAllen Foreign Trade Zone received its federal commission in 1973. As the first inland foreign trade zone, the area facilitating trade between the United States and Mexico uses the local international airport to transport goods among numerous American and Latin American cities. The designation of the trade zone means manufacturers enjoy cost savings, which helps the local economy grow. Products shipped to the duty-free zone cost less to purchase than the cost of similar products manufactured and sold within the United States.

As the largest city located in Hidalgo County, McAllen is situated at the southern tip of Texas along the Rio Grande River. City limits extend south of the border defining river near the Mexican city of Reynosa. The unique composition of the city limits has created a standard statistical metropolitan area exceeding 1.5 million residents. The city had an estimated 142, 212 residents in 2016, which was a nearly 10 percent increase from when the census counted residents in 2010.

We encourage city residents to learn more about state financial laws and regulations by accessing the Texas Department of Banking website. The detailed state-run website presents information that helps McAllen residents acquire personal loans for the purchase of a new home or car.

The city experiences a subtropical climate during the warmer months of the year, from March through November. Most of the precipitation falls between April and July, although tropical storms that come in from the Gulf of Mexico changes the precipitation model in August and September. The unique climate spawns the growth of flora you cannot find anywhere else in the Lone Star State. McAllen Botanical Gardens showcases the unique plants growing in the region by offering visitors the opportunity to walk a trail through the native thorn scrub habitat.

Access the official city website to get a close up look of McAllen. The website presents a list of upcoming events, as well as provides you with a glimpse into the history of the region.

Personal Loan Calculator

Before you accept a loan, you should make sure you understand how much you will need pay back each month. Enter your loan information into this calculator to estimate your monthly payments and total interest paid.

Loan Calculator

Loan Amount: $10000
Loan Term: 12 mo.
Interest Rate: %
Monthly Payment $856.03
Months 12
Total Paid $10,272.35
Total Interest $272.35
We offer this personal loan calculator as a free tool to estimate the cost of your loan. We do not guarantee accurate results.

Texas Rules and Regulations

The legal requirements for loans in McAllen, Texas vary by funding type and the type of financial entity offering the loan. Questions like “What is the shortest payback period?” and “What is the longest loan term?” cannot be easily answered. To understand the rules and regulations for getting personal loans in Texas, associated with the loan you end up choosing, we recommend speaking with a professional accountant in your area.

McAllen Personal Loan Restrictions

You will need to contact your lender directly to discuss any restrictions that may apply to your loan. For information about what can prevent you from requesting a loan through our site, please see the corresponding section below.

Personal Loan for Bad Credit (Less than 580)

Those with bad credit may still be able to find funding. While searching for traditional bank loans, or even locally sourced alternative funding solutions, may prove unfruitful, online options may utilize a risk assessment model that favors your financial situation. A personal loan for bad credit less than 580 will likely have higher interest than some other types of loans.

Personal Loan Companies works with reputable financial companies, including:

  • LendingPoint LLC
  • Avant, Inc
  • Prosper Marketplace, Inc
  • Payoff, Inc
  • Social Finance, Inc
  • Fredom Financial Asset Management, Inc. dba FreedomPlus

How to Request a Loan Online

  • Fill out our form to get started
  • Let us reach out to our network of lenders and lending partners
  • Find out within minutes if we were able to connect you

Loan Request Eligibility Criteria

Please make sure you meet the following requirements before requesting a loan through our site:

  • You must be at least 18 years old to use our services.
  • You must be a U.S. citizen or a legal resident.
  • You must have an active bank account.
  • If you are ready, you can ask for funding right now.

Operating Hours

Our free loan request service is always open. You can use the form on this site to ask for funding 24 hours a day, seven days a week – including Sunday.

ZIP Codes

78501, 78502, 78503, 78504, 78505, 78506


How to request a loan in McAllen, TX?

  • Simply press the “Get Started” button at the top of the page to start our easy loan request process.

What is a personal loan?

  • A personal loan is a type of funding that is paid back in installments over time. Personal loans requested through feature a repayment range of 61 days to 84 months.

What fees does LoanStart charge?

  • There are no fees to use this site. We offer a free loan request service.

How much can I borrow?

  • You can request up to $40,000 through our site.

How long until I get my money?

  • If approved by a lender, you could receive your funding in as soon as one business day.