Loans in McLennan County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for McLennan County, TX.
The median household in McLennan County earns $66,643 a year, 15% below the Texas median of $78,476. About 17% of residents live below the federal poverty line, and 38.2% of households rent their home.
What you need for a payday loan in McLennan County
Most McLennan 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 McLennan County
What McLennan County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in McLennan 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 McLennan County
Banks with branches in McLennan County
62 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First National Bank of McGregor | 6 | 401 S Main St, Mc Gregor 76657 |
| The Huntington National Bank | 5 | 100 N Main St, West 76691 |
| First National Bank Texas | 5 | 4320 Franklin Ave, Waco 76710 |
| First National Bank of Central Texas | 4 | 1835 N Valley Mills Dr, Waco 76710 |
| POINTWEST BANK | 4 | 200 W Oak St, West 76691 |
| Community Bank & Trust, Waco, Texas | 4 | 1800 Washington Ave, Waco 76701 |
| American Bank, National Association | 4 | 1601 Interstate 35 N, Waco 76705 |
| Wells Fargo Bank, National Association | 3 | 300 Franklin Ave, Waco 76701 |
| Alliance Bank Central Texas | 3 | 191 Archway Dr, Woodway 76712 |
| JPMorgan Chase Bank, National Association | 3 | 320 N New Rd, Waco 76710 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in McLennan County
35 credit-union locations from 20 credit unions.
| Credit union | Location |
|---|---|
| Acadiana Medical | 5213 Lake Shore Dr, Waco 76710 |
| Mclennan County Employees | 215 N 5Th St Ste 224, Waco 76701 |
| Texell | 1221 Hewitt Dr, Waco 76712 |
| Genco | 731 N Valley Mills Dr, Waco 76710 |
| Educators | 100 Bolling Dr, Waco 76705 |
| First Central | 6201 Sanger Ave, Waco 76710 |
| Members Choice Of Central Texas | 4631 W Waco Dr, Waco 76710 |
| Kraftman | 5213 Lake Shore Dr, Waco 76710 |
| Heart O' Texas | 7500 Imperial Drive, Waco 76712 |
| Southern Teachers & Parents | 5213 Lake Shore Dr, Waco 76710 |
| Rocket | 905 W Mcgregor Dr, Mcgregor 76657 |
| Matagorda County | 720 N 64Th St, Waco 76710 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in McLennan County
Frequently asked questions
Are payday loans legal in McLennan County?
McLennan 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 McLennan 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 McLennan County?
Options include 62 bank and 35 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 McLennan County?
Fill out our short online form from anywhere in McLennan 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 an emergency loan in McLennan County?
Yes. When an unexpected bill comes up, McLennan 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.
Can I apply for a loan online in McLennan County?
Yes. You don't need to visit a branch or storefront anywhere in McLennan 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 McLennan County with bad credit?
Yes, many lenders in our network work with McLennan 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.
Where can I get a loan in McLennan County, TX?
You can apply at banks, credit unions and lenders in McLennan 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.