Loans in Hartley County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hartley County, TX.
The median household in Hartley County earns $75,841 a year, about the same as the Texas median of $78,476. About 9% of residents live below the federal poverty line, and 25.6% of households rent their home.
What you need for a payday loan in Hartley County
Most Hartley 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 Hartley County
What Hartley County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
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 Hartley 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 Hartley County
Banks with branches in Hartley County
1 FDIC-insured bank branches from 1 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 1 | 1601 E 16th St, Dalhart 79022 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Hartley County. The nearest counties with credit unions:
Credit unions in Moore County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Texan Sky | 515 S Bliss Ave, Dumas 79029 |
| Moore County Schools | 1114 E 1St St, Dumas 79029 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Potter County
18 credit-union locations from 9 credit unions.
| Credit union | Location |
|---|---|
| Santa Fe | 1422 S Harrison St, Amarillo 79101 |
| Texas Plains | 905 S Fillmore St Ste 704, Amarillo 79101 |
| Education | 4400 W Interstate 40, Amarillo 79106 |
| Acfcu | 6100 W Interstate 40, Amarillo 79106 |
| The People'S | 3601 Sw 15Th Ave, Amarillo 79102 |
| Access Community | 201 Tascosa Rd, Amarillo 79124 |
| City | 901 S Lincoln St, Amarillo 79101 |
| Amarillo Postal Employees | 2400 Hobbs Rd, Amarillo 79109 |
| Intercorp | 1100 Sw 15Th Ave, Amarillo 79102 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Hartley County?
Hartley 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 Hartley 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 Hartley County?
Options include 1 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 Hartley County?
Fill out our short online form from anywhere in Hartley 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 Hartley County, TX?
You can apply at banks, credit unions and lenders in Hartley 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 an emergency loan in Hartley County?
Yes. When an unexpected bill comes up, Hartley 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 get a loan in Hartley County with bad credit?
Yes, many lenders in our network work with Hartley 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 Hartley County?
Yes. You don't need to visit a branch or storefront anywhere in Hartley 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.