Loans in Dallas County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dallas County, TX.
The median household in Dallas County earns $76,547 a year, about the same as the Texas median of $78,476. About 14% of residents live below the federal poverty line, and 49.2% of households rent their home.
What you need for a payday loan in Dallas County
Most Dallas County applicants can finish in one sitting if they have these ready:
- 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 Dallas County
What Dallas County borrowers use it for
cover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Dallas 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 Dallas County
Banks with branches in Dallas County
601 FDIC-insured bank branches from 117 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 73 | 100 N Central Expy, Richardson 75080 |
| Bank of America, National Association | 49 | 400 S Zang Blvd, Dallas 75208 |
| Wells Fargo Bank, National Association | 42 | 120 W Main St, Mesquite 75149 |
| PNC Bank, National Association | 34 | 17218 Preston Rd, Dallas 75252 |
| Fifth Third Bank, National Association | 31 | 1717 Main St, Dallas 75201 |
| First National Bank Texas | 31 | 200 Us Highway 80 E, Mesquite 75149 |
| Prosperity Bank | 27 | 3515 W Camp Wisdom Rd, Dallas 75237 |
| Frost Bank | 26 | 102 N Denton Tap Rd, Coppell 75019 |
| Truist Bank | 25 | 2720 Belt Line Rd, Garland 75044 |
| The Huntington National Bank | 16 | 305 E Colorado Blvd, Dallas 75203 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dallas County
101 credit-union locations from 44 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 4301 Regent Blvd Ste 110, Irving 75063 |
| U. S. Employees O. C. | 400 S Akard St, Dallas 75202 |
| Neiman Marcus Group Employees | 1618 Main St, Dallas 75201 |
| Methodist Hospital Employees | 1441 N Beckley Ave, Dallas 75203 |
| Farmers | 11830 Webb Chapel Rd, Dallas 75234 |
| Navy Federal Credit Union | 5102 N President George Bush Hwy, Garland 75040 |
| Pentagon | Aafes Headquarters, Dallas 75236 |
| Randolph-Brooks | 5175 N President George Bush Hwy, Garland 75040 |
| Texas Dow Employees | 1920 Northwest Hwy, Garland 75041 |
| Credit Union Of Texas | 2828 Prince George Ave, Desoto 75115 |
| Texans | 777 E Campbell Rd, Richardson 75081 |
| Together | 725 E Belt Line Rd, Cedar Hill 75104 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Dallas County
Frequently asked questions
Are payday loans legal in Dallas County?
Dallas 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 Dallas 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 Dallas County?
Options include 601 bank and 101 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 Dallas County?
Fill out our short online form from anywhere in Dallas 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 Dallas County with bad credit?
Yes, many lenders in our network work with Dallas 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 Dallas County, TX?
You can apply at banks, credit unions and lenders in Dallas 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 Dallas 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. Dallas County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Dallas County?
Yes. You don't need to visit a branch or storefront anywhere in Dallas 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.