Loans in Houston County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Houston County, TX.
The median household in Houston County earns $56,531 a year, 28% below the Texas median of $78,476. About 15% of residents live below the federal poverty line, and 29.4% of households rent their home. 16.6% of households have no home internet; our form works on any phone.
What you need for a payday loan in Houston County
Most Houston 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 Houston County
What Houston County borrowers use it for
deposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
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 Houston 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 Houston County
Banks with branches in Houston County
9 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Prosperity Bank | 2 | 911 Us Highway 287 N, Grapeland 75844 |
| Dominion Bank | 2 | 103 West Oak Street, Grapeland 75844 |
| First National Bank of Huntsville | 1 | 617 E Houston Ave, Crockett 75835 |
| Commercial Bank of Texas, National Association | 1 | 401 W Main St, Kennard 75847 |
| Lovelady State Bank | 1 | 910 S Commerce St, Lovelady 75851 |
| Citizens National Bank | 1 | 1320 E Loop 304, Crockett 75835 |
| Sunflower Bank, National Association | 1 | 1265 E Loop 304, Crockett 75835 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Houston County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Southland | 1524 E Houston Ave, Crockett 75835 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Houston County?
Houston 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 Houston 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 Houston County?
Options include 9 bank and 1 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 Houston County?
Fill out our short online form from anywhere in Houston 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 Houston 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. Houston County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Houston County?
Yes. You don't need to visit a branch or storefront anywhere in Houston 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.
Where can I get a loan in Houston County, TX?
You can apply at banks, credit unions and lenders in Houston 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 Houston County with bad credit?
Yes, many lenders in our network work with Houston 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.