Loans in Erath County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Erath County, TX.
The median household in Erath County earns $65,115 a year, 17% below the Texas median of $78,476. About 17% of residents live below the federal poverty line, and 36.9% of households rent their home.
What you need for a payday loan in Erath County
Here's what to have on hand before you start your payday loan request in Erath County:
- 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 Erath County
What Erath County borrowers use it for
gifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Erath 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 Erath County
Banks with branches in Erath County
15 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| InterBank | 4 | 150 S Harbin Dr, Stephenville 76401 |
| TexasBank | 3 | 998 Wolfe Nursery Rd, Stephenville 76401 |
| First Financial Bank | 2 | 2201 W South Loop, Stephenville 76401 |
| First National Bank of Dublin | 1 | 825 N Patrick St, Dublin 76446 |
| First National Bank Texas | 1 | 2765 W Washington St, Stephenville 76401 |
| Farmers and Merchants Bank | 1 | 2653 W Washington St, Stephenville 76401 |
| Citizens National Bank of Texas | 1 | 2207 W Washington St, Stephenville 76401 |
| Wellington State Bank | 1 | 2895 Northwest Loop, Stephenville 76401 |
| City Bank | 1 | 128 S Patrick St, Dublin 76446 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Erath County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Eecu | 1865 W Washington St, Stephenville 76401 |
| Members Trust Of The Southwest | 2311 Robert J Glasgow Loop, Stephenville 76401 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Erath County
Frequently asked questions
Are payday loans legal in Erath County?
Erath 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 Erath 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 Erath County?
Options include 15 bank and 2 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 Erath County?
Fill out our short online form from anywhere in Erath 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 Erath 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. Erath County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Erath County?
Yes. When an unexpected bill comes up, Erath 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.
Where can I get a loan in Erath County, TX?
You can apply at banks, credit unions and lenders in Erath 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 Erath County with bad credit?
Yes, many lenders in our network work with Erath 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.