Loans in Hemphill County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Hemphill County, TX.
The median household in Hemphill County earns $61,563 a year, 22% below the Texas median of $78,476. About 6% of residents live below the federal poverty line, and 28.9% of households rent their home. 18.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Hemphill County
Lenders that serve Hemphill 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 Hemphill County
What Hemphill County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Hemphill 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 Hemphill County
Banks with branches in Hemphill County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Centennial Bank | 1 | 200 Main St, Canadian 79014 |
| InterBank | 1 | 115 Main St, Canadian 79014 |
| Wellington State Bank | 1 | 301 Main St, Canadian 79014 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Hemphill County. The nearest counties with credit unions:
Credit unions in Gray County
9 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Santa Fe | 1939 N Hobart St, Pampa 79065 |
| Acfcu | 900 N Hobart St, Pampa 79065 |
| Pantex | 807 N Sumner St, Pampa 79065 |
| Cabot Community | 1063 N Sumner St, Pampa 79065 |
| Pampa Teachers | 2500 Perryton Pkwy, Pampa 79065 |
| Pampa Municipal | 1021 N Somerville St, Pampa 79065 |
| Skel-Tex | 1125 N Hobart St, Pampa 79065 |
| Lefors | 117 E. 2Nd St, Lefors 79054 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Ochiltree County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Northeast Panhandle Teachers | 211 S Amherst St, Perryton 79070 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Hemphill County?
Hemphill 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 Hemphill 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 Hemphill County?
Options include 3 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 Hemphill County?
Fill out our short online form from anywhere in Hemphill 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 Hemphill County, TX?
You can apply at banks, credit unions and lenders in Hemphill 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 Hemphill County with bad credit?
Yes, many lenders in our network work with Hemphill 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 Hemphill 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. Hemphill County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Hemphill County?
Yes. You don't need to visit a branch or storefront anywhere in Hemphill 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.