Loans in Fannin County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Fannin County, TX.
The median household in Fannin County earns $72,295 a year, 8% below the Texas median of $78,476. About 14% of residents live below the federal poverty line, and 21.3% of households rent their home. 11.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Fannin County
Lenders that serve Fannin 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 Fannin County
What Fannin County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Fannin 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 Fannin County
Banks with branches in Fannin County
10 FDIC-insured bank branches from 5 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Community National Bank & Trust of Texas | 3 | 2109 N Center St, Bonham 75418 |
| First United Bank and Trust Company | 2 | 120 W Sam Rayburn Dr, Bonham 75418 |
| Fannin Bank | 2 | 230 E 3rd St, Bonham 75418 |
| Legend Bank, N.A. | 2 | 502 N Center St, Bonham 75418 |
| The Huntington National Bank | 1 | 201 W Main St, Honey Grove 75446 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Fannin County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of Texas | 410 N Center St, Bonham 75418 |
| Fannin | 1737 N State Highway 121, Bonham 75418 |
| Fannin County Teachers | 621 N Center St, Bonham 75418 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Fannin County
Frequently asked questions
Are payday loans legal in Fannin County?
Fannin 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 Fannin 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 Fannin County?
Options include 10 bank and 3 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 Fannin County?
Fill out our short online form from anywhere in Fannin 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 Fannin County, TX?
You can apply at banks, credit unions and lenders in Fannin 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 Fannin 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. Fannin County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Fannin County with bad credit?
Yes, many lenders in our network work with Fannin 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.
Can I apply for a loan online in Fannin County?
Yes. You don't need to visit a branch or storefront anywhere in Fannin 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.