Loans in Montague County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montague County, TX.
The median household in Montague County earns $64,545 a year, 18% below the Texas median of $78,476. About 14% of residents live below the federal poverty line, and 20.1% of households rent their home. 16.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Montague County
Most Montague 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 Montague County
What Montague County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Montague 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 Montague County
Banks with branches in Montague County
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Legend Bank, N.A. | 2 | 101 W Tarrant St, Bowie 76230 |
| Wells Fargo Bank, National Association | 1 | 105 E Highway 82, Nocona 76255 |
| The Jacksboro National Bank | 1 | 213 W Wise St, Bowie 76230 |
| Wellington State Bank | 1 | 1301 Highway 59 N, Bowie 76230 |
| First State Bank | 1 | 108 E. Howell Street, Saint Jo 76265 |
| Sanger Bank | 1 | 1308 Highway 59 N, Bowie 76230 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Montague County. The nearest counties with credit unions:
Credit unions in Cooke County
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Datcu | 834 Us Hwy 82, Gainesville 76240 |
| City | 406 N Grand Ave, Gainesville 76240 |
| 4U | 1312 Lawrence St, Gainesville 76240 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Wise County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Datcu | 600 W Ford St, Decatur 76234 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Montague County?
Montague 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 Montague 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 Montague County?
Options include 7 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 Montague County?
Fill out our short online form from anywhere in Montague 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.
Where can I get a loan in Montague County, TX?
You can apply at banks, credit unions and lenders in Montague 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 apply for a loan online in Montague County?
Yes. You don't need to visit a branch or storefront anywhere in Montague 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 Montague 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. Montague County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Montague County?
Yes. When an unexpected bill comes up, Montague 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.