Loans in Montgomery County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Montgomery County, TX.
The median household in Montgomery County earns $97,701 a year, 24% above the Texas median of $78,476. About 9% of residents live below the federal poverty line, and 28.2% of households rent their home.
What you need for a payday loan in Montgomery County
Most Montgomery 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 Montgomery County
What Montgomery County borrowers use it for
keep getting to work while the shop fixes it
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Montgomery 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 Montgomery County
Banks with branches in Montgomery County
165 FDIC-insured bank branches from 36 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Woodforest National Bank | 32 | 1330 Lake Robbins Dr, The Woodlands 77380 |
| JPMorgan Chase Bank, National Association | 17 | 25025 Interstate 45, Spring 77380 |
| Wells Fargo Bank, National Association | 13 | 813 W Montgomery St, Willis 77378 |
| PNC Bank, National Association | 13 | 25211 Grogans Mill Rd, The Woodlands 77380 |
| First National Bank Texas | 10 | 704 E Davis St, Conroe 77301 |
| Zions Bancorporation, N.A. | 9 | 570 Kingwood Dr, Kingwood 77339 |
| Bank of America, National Association | 9 | 1255 Lake Woodlands Dr, The Woodlands 77380 |
| First Financial Bank | 8 | 1800 W White Oak Ter, Conroe 77304 |
| Prosperity Bank | 7 | 18935 Fm 1488 Rd, Magnolia 77355 |
| Regions Bank | 6 | 1711 N Loop 336 W, Conroe 77304 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Montgomery County
16 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| Texas Dow Employees | 9595 Six Pines Dr, The Woodlands 77380 |
| First Community | 32803 Fm 2978 Rd, Magnolia 77354 |
| Advancial | 1735 Research Forest Dr, Shenandoah 77380 |
| First Service | 9110 Grogans Mill Rd, The Woodlands 77380 |
| Rave Financial | 670 Fm 3083 Rd Ste 201, Conroe 77301 |
| Community Resource | 21856 Market Place Dr, New Caney 77357 |
| Smart Financial | 3201 W Davis St, Conroe 77304 |
| Fivepoint | 1021 Sawdust Rd Ste 150, Spring 77380 |
| Energy Capital | 24396 I-45 North, Spring 77386 |
| Membersource | 1201 Lake Robbins Dr, The Woodlands 77380 |
| Ecu | 16597 Interstate 45 S, Conroe 77385 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Montgomery County
Frequently asked questions
Are payday loans legal in Montgomery County?
Montgomery 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 Montgomery 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 Montgomery County?
Options include 165 bank and 16 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 Montgomery County?
Fill out our short online form from anywhere in Montgomery 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 Montgomery 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. Montgomery County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Montgomery County?
Yes. When an unexpected bill comes up, Montgomery 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 get a loan in Montgomery County with bad credit?
Yes, many lenders in our network work with Montgomery 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 Montgomery County, TX?
You can apply at banks, credit unions and lenders in Montgomery 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.