Loans in Guadalupe County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Guadalupe County, TX.
The median household in Guadalupe County earns $92,375 a year, 18% above the Texas median of $78,476. About 9% of residents live below the federal poverty line, and 22.2% of households rent their home.
What you need for a payday loan in Guadalupe County
Here's what to have on hand before you start your payday loan request in Guadalupe 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 Guadalupe County
What Guadalupe County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Guadalupe 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 Guadalupe County
Banks with branches in Guadalupe County
23 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First United Bank and Trust Company | 4 | 200 N Austin St, Seguin 78155 |
| Schertz Bank & Trust | 3 | 519 Main St, Schertz 78154 |
| Bank of America, National Association | 2 | 210 W Court St, Seguin 78155 |
| Wells Fargo Bank, National Association | 2 | 360 S State Highway123 Bypass, Seguin 78155 |
| Broadway National Bank | 2 | 1475 E Court St, Seguin 78155 |
| Woodforest National Bank | 2 | 550 So. 123 Bypass, Seguin 78155 |
| Marion State Bank | 1 | 301 W San Antonio St, Marion 78124 |
| First Commercial Bank, National Association | 1 | 1336 E Court St, Seguin 78155 |
| Prosperity Bank | 1 | 1414 E Court St, Seguin 78155 |
| JPMorgan Chase Bank, National Association | 1 | 6026 Fm 3009, Schertz 78154 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Guadalupe County
8 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Credit Human | 857 Cibolo Valley Dr, Cibolo 78108 |
| Pentagon | 857 Cibolo Valley Dr, Cibolo 78108 |
| Randolph-Brooks | 4980 Fm 3009, Schertz 78154 |
| Security Service | 17300 Interstate 35 N, Schertz 78154 |
| Soarion | 6000 Fm 3009 Ste 206, Schertz 78154 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Guadalupe County
Frequently asked questions
Are payday loans legal in Guadalupe County?
Guadalupe 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 Guadalupe 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 Guadalupe County?
Options include 23 bank and 8 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 Guadalupe County?
Fill out our short online form from anywhere in Guadalupe 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 Guadalupe County, TX?
You can apply at banks, credit unions and lenders in Guadalupe 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 apply for a loan online in Guadalupe County?
Yes. You don't need to visit a branch or storefront anywhere in Guadalupe 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 Guadalupe County with bad credit?
Yes, many lenders in our network work with Guadalupe 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 get a loan in Guadalupe 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. Guadalupe County residents can start any time, and it takes about 3 minutes.