Loans in Newton County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Newton County, TX.
The median household in Newton County earns $42,618 a year, 46% below the Texas median of $78,476. About 19% of residents live below the federal poverty line, and 17.1% of households rent their home.
What you need for a payday loan in Newton County
Lenders that serve Newton 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 Newton County
What Newton 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
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Newton 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 Newton County
Banks with branches in Newton 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 |
|---|---|---|
| First Financial Bank | 1 | Rusk And Magnolia Streets, Newton 75966 |
| Prosperity Bank | 1 | 319 Rusk St, Newton 75966 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Newton County. The nearest counties with credit unions:
Credit unions in Jasper County
5 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Rave Financial | 465 E Gibson St, Jasper 75951 |
| Dugood | 1061 S Wheeler St, Jasper 75951 |
| Education First | 2014 S Wheeler St, Jasper 75951 |
| Eastex | 1508 S Margaret Ave, Kirbyville 75956 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Tyler County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Rave Financial | 430 S Magnolia St, Woodville 75979 |
| Education First | 1121 S Magnolia St Ste 900, Woodville 75979 |
| Eastex | 12618 Fm 92 Rd S, Spurger 77660 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Newton County?
Newton 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 Newton 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 Newton 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 Newton County?
Fill out our short online form from anywhere in Newton 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 Newton County, TX?
You can apply at banks, credit unions and lenders in Newton 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 Newton County?
Yes. You don't need to visit a branch or storefront anywhere in Newton 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 Newton County with bad credit?
Yes, many lenders in our network work with Newton 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 Newton 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. Newton County residents can start any time, and it takes about 3 minutes.