Loans in Kerr County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kerr County, TX.
The median household in Kerr County earns $69,395 a year, 12% below the Texas median of $78,476. About 11% of residents live below the federal poverty line, and 29.9% of households rent their home.
What you need for a payday loan in Kerr County
Most Kerr 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 Kerr County
What Kerr County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Kerr 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 Kerr County
Banks with branches in Kerr County
20 FDIC-insured bank branches from 15 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Security State Bank & Trust | 3 | 1130 Junction Hwy, Kerrville 78028 |
| Fifth Third Bank, National Association | 2 | 1075 Junction Hwy, Kerrville 78028 |
| Centennial Bank | 2 | 1145 Junction Hwy, Kerrville 78028 |
| Prosperity Bank | 2 | 998 Sidney Baker St S, Kerrville 78028 |
| Sunflower Bank, National Association | 1 | 600 Main St, Kerrville 78028 |
| Wells Fargo Bank, National Association | 1 | 222 Sidney Baker St S, Kerrville 78028 |
| Broadway National Bank | 1 | 620 Main St, Kerrville 78028 |
| First National Bank Texas | 1 | 1216 Junction Hwy, Kerrville 78028 |
| Guadalupe Bank | 1 | 1309 Bandera Hwy, Kerrville 78028 |
| PNC Bank, National Association | 1 | 1425 Sidney Baker St, Kerrville 78028 |
Source: FDIC BankFind Suite, retrieved Oct 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 Kerr County
Frequently asked questions
Are payday loans legal in Kerr County?
Kerr 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 Kerr 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 Kerr County?
Options include 20 bank and 5 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 Kerr County?
Fill out our short online form from anywhere in Kerr 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 apply for a loan online in Kerr County?
Yes. You don't need to visit a branch or storefront anywhere in Kerr 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 Kerr County with bad credit?
Yes, many lenders in our network work with Kerr 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 Kerr 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. Kerr County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Kerr County, TX?
You can apply at banks, credit unions and lenders in Kerr 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.