Loans in Gillespie County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Gillespie County, TX.
The median household in Gillespie County earns $76,162 a year, about the same as the Texas median of $78,476. About 9% of residents live below the federal poverty line, and 25.1% of households rent their home.
What you need for a payday loan in Gillespie County
Lenders that serve Gillespie 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 Gillespie County
What Gillespie County borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Gillespie 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 Gillespie County
Banks with branches in Gillespie County
18 FDIC-insured bank branches from 13 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Security State Bank & Trust | 4 | 23596 West Highway 290, Harper 78631 |
| First United Bank and Trust Company | 2 | 1710 N Llano St, Fredericksburg 78624 |
| Prosperity Bank | 2 | 805 W Main St, Fredericksburg 78624 |
| JPMorgan Chase Bank, National Association | 1 | 150 E Main St, Fredericksburg 78624 |
| Texas Regional Bank | 1 | 609 E Main St, Fredericksburg 78624 |
| PNC Bank, National Association | 1 | 300 W Main St, Fredericksburg 78624 |
| Broadway National Bank | 1 | 204 W Main St, Fredericksburg 78624 |
| Arrowhead Bank | 1 | 502 S Adams St, Fredericksburg 78624 |
| Woodforest National Bank | 1 | 1435 E Main St, Fredericksburg 78624 |
| Centennial Bank | 1 | 710 S Adams St, Fredericksburg 78624 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Gillespie County. The nearest counties with credit unions:
Credit unions in Kendall County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Pentagon | 29252 Frontage Road I-10 #114, Boerne 78006 |
| Randolph-Brooks | 1338 S Main St, Boerne 78006 |
| Security Service | 135 W Bandera Rd, Boerne 78006 |
| Alliance | 1440 S Main St, Boerne 78006 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Kerr County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Randolph-Brooks | 1801 Sidney Baker St, Kerrville 78028 |
| Kerr County | 3700 Memorial Blvd, Kerrville 78028 |
| Texhillco School Employees | 1018 Sidney Baker St, Kerrville 78028 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Gillespie County
Frequently asked questions
Are payday loans legal in Gillespie County?
Gillespie 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 Gillespie 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 Gillespie County?
Options include 18 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 Gillespie County?
Fill out our short online form from anywhere in Gillespie 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 Gillespie 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. Gillespie County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Gillespie County?
Yes. When an unexpected bill comes up, Gillespie 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 Gillespie County?
Yes. You don't need to visit a branch or storefront anywhere in Gillespie 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 Gillespie County with bad credit?
Yes, many lenders in our network work with Gillespie 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.