Loans in Travis County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Travis County, TX.
The median household in Travis County earns $99,611 a year, 27% above the Texas median of $78,476. About 11% of residents live below the federal poverty line, and 47.9% of households rent their home.
What you need for a payday loan in Travis County
Most Travis 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 Travis County
What Travis County borrowers use it for
the fastest options online
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Travis 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 Travis County
Banks with branches in Travis County
249 FDIC-insured bank branches from 61 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Wells Fargo Bank, National Association | 33 | 605 W 15th St, Austin 78701 |
| JPMorgan Chase Bank, National Association | 28 | 221 W 6th St, Austin 78701 |
| Bank of America, National Association | 21 | 2501 S Congress Ave, Austin 78704 |
| Frost Bank | 19 | 111 E Anderson Ln, Austin 78752 |
| PNC Bank, National Association | 14 | 7321 N Fm 620 Rd, Austin 78726 |
| Prosperity Bank | 13 | 900 Congress Ave, Austin 78701 |
| Truist Bank | 10 | 2110 Boca Raton Dr, Austin 78747 |
| Fifth Third Bank, National Association | 8 | 300 W 6th St, Austin 78701 |
| Woodforest National Bank | 7 | 1030 Norwood Park Blvd, Austin 78753 |
| The Huntington National Bank | 6 | 6500 N Mopac Expy, Building One, Suite 1101, Austin 78731 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Travis County
93 credit-union locations from 23 credit unions.
| Credit union | Location |
|---|---|
| Greater Texas | 12319 N Mopac Expy, Austin 78758 |
| Randolph-Brooks | 205 W Ben White Blvd, Austin 78704 |
| University | 4611 Guadalupe St, Austin 78751 |
| A+ | 1402 W Stassney Ln, Austin 78745 |
| Technology | 823 Congress Ave Ste 300, Austin 78701 |
| Austin Telco | 8929 Shoal Creek Blvd, Austin 78757 |
| Truwest | 13609 N Interstate 35 Bldg 4, Austin 78753 |
| United Heritage | 6400 Menchaca Rd, Austin 78745 |
| Velocity | 705 E 12Th St, Austin 78701 |
| Amplify | 2800 Esperanza Xing Bldg 2, Austin 78758 |
| Members Choice | 4100 Smith School Rd # 1, Austin 78744 |
| Pecu | 306 E 10Th St, Austin 78701 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Travis County
Frequently asked questions
Are payday loans legal in Travis County?
Travis 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 Travis 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 Travis County?
Options include 249 bank and 93 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 Travis County?
Fill out our short online form from anywhere in Travis 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 Travis County, TX?
You can apply at banks, credit unions and lenders in Travis 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 an emergency loan in Travis County?
Yes. When an unexpected bill comes up, Travis 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 apply for a loan online in Travis County?
Yes. You don't need to visit a branch or storefront anywhere in Travis 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 Travis County with bad credit?
Yes, many lenders in our network work with Travis 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.