Loans in Polk County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Polk County, TX.
The median household in Polk County earns $62,259 a year, 21% below the Texas median of $78,476. About 18% of residents live below the federal poverty line, and 21.9% of households rent their home.
What you need for a payday loan in Polk County
Lenders that serve Polk 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 Polk County
What Polk County borrowers use it for
keep getting to work while the shop fixes it
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Polk 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 Polk County
Banks with branches in Polk County
11 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank of Livingston | 4 | 112 W Polk St, Livingston 77351 |
| The First National Bank of Livingston | 3 | 2121 Us Highway 190 W, Livingston 77351 |
| Citizens State Bank | 1 | 300 N Home St, Corrigan 75939 |
| Peoples State Bank | 1 | 2700 Us Highway 190 W, Livingston 77351 |
| PNC Bank, National Association | 1 | 1013 W Church St, Livingston 77351 |
| Woodforest National Bank | 1 | 1620 W. Church St, Livingston 77351 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Polk County. The nearest counties with credit unions:
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.
Credit unions in Angelina County
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| East Texas Professional | 406 College Dr, Lufkin 75904 |
| Genco | 1402 S John Redditt Dr, Lufkin 75904 |
| Southland | 2601 S John Redditt Dr, Lufkin 75904 |
| Lufkin | 204 Gobblers Knob Rd, Lufkin 75904 |
| Aspire | 900 Pershing Ave, Lufkin 75904 |
| Angelina County Teachers | 402 S Medford Dr, Lufkin 75901 |
| Temple-Inland | 109 N Temple Dr, Diboll 75941 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Polk County?
Polk 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 Polk 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 Polk County?
Options include 11 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 Polk County?
Fill out our short online form from anywhere in Polk 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 apply for a loan online in Polk County?
Yes. You don't need to visit a branch or storefront anywhere in Polk 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 an emergency loan in Polk County?
Yes. When an unexpected bill comes up, Polk 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.
Where can I get a loan in Polk County, TX?
You can apply at banks, credit unions and lenders in Polk 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 get a loan in Polk 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. Polk County residents can start any time, and it takes about 3 minutes.