Loans in Liberty County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Liberty County, TX.
The median household in Liberty County earns $68,703 a year, 12% below the Texas median of $78,476. About 19% of residents live below the federal poverty line, and 17.7% of households rent their home.
What you need for a payday loan in Liberty County
Lenders that serve Liberty 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 Liberty County
What Liberty County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Liberty 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 Liberty County
Banks with branches in Liberty County
18 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Liberty Bank | 5 | 1900 Sam Houston St, Liberty 77575 |
| Prosperity Bank | 4 | 152 N Washington Ave, Cleveland 77327 |
| Wells Fargo Bank, National Association | 2 | 2329 N Main St, Liberty 77575 |
| Woodforest National Bank | 2 | 831 Ushwy 59 South, Cleveland 77327 |
| Southside Bank | 1 | 200 E Crockett St, Cleveland 77327 |
| Texas First Bank | 1 | 1302 North Main Street, Liberty 77575 |
| The Huntington National Bank | 1 | 908 E Houston St, Cleveland 77327 |
| Anahuac National Bank | 1 | 11116 Highway 146 N, Liberty 77575 |
| Austin Bank, Texas National Association | 1 | 807 E Houston St, Cleveland 77327 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Liberty County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Rave Financial | 999 Highway 146, Dayton 77535 |
| Liberty County Teachers | 3712 N Main St, Liberty 77575 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Liberty County?
Liberty 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 Liberty 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 Liberty County?
Options include 18 bank and 3 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 Liberty County?
Fill out our short online form from anywhere in Liberty 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 Liberty County?
Yes. You don't need to visit a branch or storefront anywhere in Liberty 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 Liberty County, TX?
You can apply at banks, credit unions and lenders in Liberty 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 Liberty 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. Liberty County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Liberty County?
Yes. When an unexpected bill comes up, Liberty 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.