Loans in Ellis County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Ellis County, TX.
The median household in Ellis County earns $99,595 a year, 27% above the Texas median of $78,476. About 7% of residents live below the federal poverty line, and 24.2% of households rent their home.
What you need for a payday loan in Ellis County
Most Ellis 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 Ellis County
What Ellis County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Ellis 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 Ellis County
Banks with branches in Ellis County
37 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Citizens National Bank of Texas | 6 | 200 N Elm St, Waxahachie 75165 |
| InterBank | 3 | 300 Us 77 North, Waxahachie 75165 |
| Prosperity Bank | 3 | 500 N Interstate 35 Service Road, Red Oak 75154 |
| Wells Fargo Bank, National Association | 3 | 1111 N Highway 77, Waxahachie 75165 |
| First National Bank Texas | 3 | 1200 N Highway 77, Waxahachie 75165 |
| Harmony Bank | 3 | 100 W Main St, Italy 76651 |
| Commercial State Bank | 2 | 200 S I 45, Ferris 75125 |
| Trinity Capital Bank of Texas | 2 | 815 W Ennis Ave, Ennis 75119 |
| Community National Bank & Trust of Texas | 2 | 309 E Ovilla Rd, Red Oak 75154 |
| First Financial Bank | 2 | 1490 E Main St, Midlothian 76065 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Ellis County
6 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Texas Trust | 201 E Avenue G, Midlothian 76065 |
| Neighborhood | 1750 N Highway 77, Waxahachie 75165 |
| City | 1625 N Highway 77, Waxahachie 75165 |
| Centex Citizens | 2251 W Ennis Ave, Ennis 75119 |
| Ellis County Teachers And Employees | 1001 Butcher Rd, Waxahachie 75165 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Ellis County
Frequently asked questions
Are payday loans legal in Ellis County?
Ellis 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 Ellis 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 Ellis County?
Options include 37 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 Ellis County?
Fill out our short online form from anywhere in Ellis 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 an emergency loan in Ellis County?
Yes. When an unexpected bill comes up, Ellis 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.
Can I apply for a loan online in Ellis County?
Yes. You don't need to visit a branch or storefront anywhere in Ellis 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.
Where can I get a loan in Ellis County, TX?
You can apply at banks, credit unions and lenders in Ellis 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 Ellis 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. Ellis County residents can start any time, and it takes about 3 minutes.