Loans in Reagan County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Reagan County, TX.
The median household in Reagan County earns $57,813 a year, 26% below the Texas median of $78,476. About 12% of residents live below the federal poverty line, and 30.0% of households rent their home. 19.2% of households have no home internet; our form works on any phone.
What you need for a payday loan in Reagan County
Here's what to have on hand before you start your payday loan request in Reagan County:
- 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 Reagan County
What Reagan County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Reagan 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 Reagan County
Banks with branches in Reagan 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 |
|---|---|---|
| American Momentum Bank | 1 | 405 W. 2nd Street, Big Lake 76932 |
| Texas Financial Bank | 1 | 1300 E 2nd St, Big Lake 76932 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Reagan County. The nearest counties with credit unions:
Credit unions in Midland County
23 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Chevron | 6301 Deauville, Midland 79706 |
| Complex Community | 3512 N Midkiff Rd, Midland 79705 |
| My Community | 600 W Louisiana Ave, Midland 79701 |
| Texas Tech | 3300 N A St, Midland 79705 |
| First Basin | 3316 N Midland Dr, Midland 79707 |
| 1St Community | 4616 Briarwood Ave, Midland 79707 |
| Citizens | 2609 W Loop 250 N, Midland 79705 |
| Southwest 66 | 4425 W Wadley Ave Ste 190, Midland 79707 |
| Mtcu | 1505 N Midland Dr, Midland 79703 |
| Heritage Usa | 5507 W Wadley Ave, Midland 79707 |
| West Texas | 4301 Mission Blvd, Odessa 79765 |
| Members Financial | 3100 Sunburst Dr, Midland 79707 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Crane County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| 1St Community | 501 S Alford St, Crane 79731 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Reagan County?
Reagan 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 Reagan 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 Reagan 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 Reagan County?
Fill out our short online form from anywhere in Reagan 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 Reagan County, TX?
You can apply at banks, credit unions and lenders in Reagan 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 Reagan County?
Yes. You don't need to visit a branch or storefront anywhere in Reagan 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 Reagan 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. Reagan County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Reagan County with bad credit?
Yes, many lenders in our network work with Reagan 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.