Loans in Concho County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Concho County, TX.
The median household in Concho County earns $65,795 a year, 16% below the Texas median of $78,476. About 11% of residents live below the federal poverty line, and 19.5% of households rent their home. 11.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Concho County
Lenders that serve Concho 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 Concho County
What Concho County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Concho 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 Concho County
Banks with branches in Concho County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 1 | 245 W Moss St, Paint Rock 76866 |
| Texas Financial Bank | 1 | 220 Jackson Street, Eden 76837 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Concho County. The nearest counties with credit unions:
Credit unions in Tom Green County
19 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| San Angelo | 235 W 1St St, San Angelo 76903 |
| Texas Trust | 337 W Twohig Ave, San Angelo 76903 |
| 1St Community | 3505 Wildewood Dr, San Angelo 76904 |
| Concho Educators | 1967 W Beauregard Ave, San Angelo 76901 |
| Trans Texas Southwest | 3401 Loop 306, San Angelo 76904 |
| Concho Valley | 1002 S Abe St, San Angelo 76903 |
| Goodyear San Angelo | 11570 N Us Highway 277, San Angelo 76905 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Runnels County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| 1St Community | 121 N 8Th St, Ballinger 76821 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Concho County?
Concho 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 Concho 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 Concho County?
Options include 2 bank 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 Concho County?
Fill out our short online form from anywhere in Concho 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 Concho 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. Concho County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Concho County?
Yes. You don't need to visit a branch or storefront anywhere in Concho 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.
Can I get a loan in Concho County with bad credit?
Yes, many lenders in our network work with Concho 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.
Where can I get a loan in Concho County, TX?
You can apply at banks, credit unions and lenders in Concho 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.