Loans in Mills County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mills County, TX.
The median household in Mills County earns $67,620 a year, 14% below the Texas median of $78,476. About 7% of residents live below the federal poverty line, and 19.7% of households rent their home.
What you need for a payday loan in Mills County
Lenders that serve Mills 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 Mills County
What Mills County borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Mills 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 Mills County
Banks with branches in Mills County
2 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| MCBank | 1 | 1017 Parker St, Goldthwaite 76844 |
| The Huntington National Bank | 1 | 1301 Fisher St, Goldthwaite 76844 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Mills County. The nearest counties with credit unions:
Credit unions in Brown County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Mid-Tex | 3808 Highway 377 S, Brownwood 76801 |
| First Central | 1602 Austin Ave, Brownwood 76801 |
| Cen Tex Manufacturing | 4488 Highway 377 S, Brownwood 76801 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Coryell County
3 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Navy Federal Credit Union | 3010 E Business 190, Copperas Cove 76522 |
| Educators | 201 E Robertson Ave, Copperas Cove 76522 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Mills County?
Mills 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 Mills 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 Mills County?
Options include 2 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 Mills County?
Fill out our short online form from anywhere in Mills 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 Mills County with bad credit?
Yes, many lenders in our network work with Mills 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 an emergency loan in Mills County?
Yes. When an unexpected bill comes up, Mills 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 Mills County?
Yes. You don't need to visit a branch or storefront anywhere in Mills 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 Mills County, TX?
You can apply at banks, credit unions and lenders in Mills 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.