Loans in Mason County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mason County, TX.
The median household in Mason County earns $74,180 a year, 5% below the Texas median of $78,476. About 7% of residents live below the federal poverty line, and 20.3% of households rent their home.
What you need for a payday loan in Mason County
Most Mason 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 Mason County
What Mason County borrowers use it for
deposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Mason 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 Mason County
Banks with branches in Mason 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 |
|---|---|---|
| Mason Bank | 1 | 111 Westmoreland Street, Mason 76856 |
| The Commercial Bank | 1 | 100 Moody St, Mason 76856 |
| The Huntington National Bank | 1 | 215 Westmoreland St, Mason 76856 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Mason County. The nearest counties with credit unions:
Credit unions in Kimble County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Kerr County | 2200 Main St, Junction 76849 |
Source: NCUA credit union branch data, June 30, 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.
Frequently asked questions
Are payday loans legal in Mason County?
Mason 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 Mason 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 Mason 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 Mason County?
Fill out our short online form from anywhere in Mason 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 Mason County with bad credit?
Yes, many lenders in our network work with Mason 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 Mason 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. Mason County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Mason County?
Yes. You don't need to visit a branch or storefront anywhere in Mason 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 an emergency loan in Mason County?
Yes. When an unexpected bill comes up, Mason 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.