Personalloaned Compare rates

TX · city page

Personal loans in Mansfield, TX

A personal loan in Mansfield is a fixed-payment installment loan, and the rate you are offered turns on your credit, your income and your existing debts. At about 78,542 residents, Mansfield is the 53rd-largest of the 1,224 Census places in Texas. Texas law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

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.

Mansfield at a glance

  • Population: the Census estimates 78,542 residents, ranking 53rd of 1,224 places in Texas (Vintage 2023).
  • 2020 Census base: 72,596 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: roughly 8.2% higher than at the 2020 Census (US Census Bureau).
  • Rank among Texas places: the 53rd-largest of 1,224 (US Census Bureau, 2023 estimate).
  • Size percentile: roughly 96% of places in Texas rank below it by population (US Census Bureau).
  • Coordinates: it sits at 32.5692, -97.1205 in the US Census Bureau Gazetteer.
  • Nearest larger cities within 120 miles: Arlington, TX (9 mi); Grand Prairie, TX (10 mi); Fort Worth, TX (20 mi); Irving, TX (22 mi); Dallas, TX (26 mi) (US Census Bureau).
  • Smaller places nearby: Kennedale, TX (8 mi); Dalworthington Gardens, TX (8 mi); Cedar Hill, TX (9 mi), per US Census Bureau estimates.

What a personal loan costs in Mansfield

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

Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.

Texas lending rules that apply in Mansfield

The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Mansfield.

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
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

How to compare offers in Mansfield

Run through this list before signing anything in Mansfield:

  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 Mansfield?
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 Mansfield are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Mansfield?
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 Mansfield 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 Mansfield 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