Loans in Cass County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cass County, TX.
The median household in Cass County earns $53,813 a year, 31% below the Texas median of $78,476. About 18% of residents live below the federal poverty line, and 23.4% of households rent their home. 18.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Cass County
Lenders that serve Cass County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Cass County
What Cass County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Cass County
Payday Loans Legal via CSO/CAB
Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party…
Personal Loans
Tiered caps for licensed Chapter 342 lenders: up to 30% a year on the first $4,600, 24% on the part from $4,600 to $9,660, and 18% on the part up to $23,000 (amounts for loans…
Title Loans Legal via CSO/CAB
Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a…
Banks and credit unions in Cass County
Banks with branches in Cass County
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of Hughes Springs | 3 | 220 N Louise St, Atlanta 75551 |
| The City National Bank of Sulphur Springs | 2 | 401 Hwy 59 N, Queen City 75572 |
| Regions Bank | 1 | 307 N William St, Atlanta 75551 |
| Texana Bank, National Association | 1 | 124 E Rush St, Linden 75563 |
| Community Bank | 1 | 104 Highway 155, Avinger 75630 |
| Woodforest National Bank | 1 | 201 Us Highway 59 Loop, Atlanta 75551 |
| State Bank of De Kalb | 1 | 204 E Main St, Atlanta 75551 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Cass County
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 105 Loop 59, Atlanta 75551 |
| East Texas Professional | 1412 E 1St, Hughes Springs 75656 |
| Texar | 103 W Allday St, Atlanta 75551 |
| Domino | 9978 Fm 3129, Queen City 75572 |
| Highway District 19 Employees | 202 N Louise St, Atlanta 75551 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Cass County?
Cass County follows Texas law. Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party lender.
Are title loans legal in Cass County?
Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a third-party lender, and the CAB fee is not capped by state law.
Where can I get a small loan in Cass County?
Options include 10 bank and 6 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Cass County?
Fill out our short online form from anywhere in Cass County. We share it with lenders in our network that serve Texas; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Cass County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Cass County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Cass County, TX?
You can apply at banks, credit unions and lenders in Cass County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Texas residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Cass County with bad credit?
Yes, many lenders in our network work with Cass County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I apply for a loan online in Cass County?
Yes. You don't need to visit a branch or storefront anywhere in Cass County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Texas. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.