Loans in Cottle County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Cottle County, TX.
The median household in Cottle County earns $59,063 a year, 25% below the Texas median of $78,476. About 17% of residents live below the federal poverty line, and 16.8% of households rent their home. 24.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Cottle County
Lenders that serve Cottle 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 Cottle County
What Cottle County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Cottle 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 Cottle County
Banks with branches in Cottle 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 |
|---|---|---|
| Wellington State Bank | 1 | 717 10th St, Paducah 79248 |
| First United Bank | 1 | 704 10th Street, Paducah 79248 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Cottle County. The nearest counties with credit unions:
Credit unions in Childress County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| The People'S | 423 N Main St, Childress 79201 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Floyd County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Texas Plains | 105 S Wall St, Floydada 79235 |
| Texas Tech | 230 W California St, Floydada 79235 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Cottle County?
Cottle 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 Cottle 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 Cottle 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 Cottle County?
Fill out our short online form from anywhere in Cottle 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.
Where can I get a loan in Cottle County, TX?
You can apply at banks, credit unions and lenders in Cottle 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 apply for a loan online in Cottle County?
Yes. You don't need to visit a branch or storefront anywhere in Cottle 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 Cottle 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. Cottle County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Cottle County?
Yes. When an unexpected bill comes up, Cottle County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.