Loans in Upshur County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Upshur County, TX.
The median household in Upshur County earns $66,208 a year, 16% below the Texas median of $78,476. About 12% of residents live below the federal poverty line, and 19.3% of households rent their home. 10.8% of households have no home internet; our form works on any phone.
What you need for a payday loan in Upshur County
Here's what to have on hand before you start your payday loan request in Upshur 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 Upshur County
What Upshur County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Upshur 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 Upshur County
Banks with branches in Upshur 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 |
|---|---|---|
| The First National Bank of East Texas | 4 | 206 Us Highway 271 N, Gilmer 75644 |
| Austin Bank, Texas National Association | 2 | 108 E Broadway St, Big Sandy 75755 |
| Texas Heritage National Bank | 2 | 215 Us Highway 259 S, Ore City 75683 |
| Gilmer National Bank, Gilmer, Texas | 1 | 713 Us Highway 271 N, Gilmer 75644 |
| Prosperity Bank | 1 | 218 W Cass St, Gilmer 75644 |
| The First National Bank of Hughes Springs | 1 | 2131 Us Highway 259 N, Diana 75640 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Upshur County
5 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Credit Union Of Texas | 755 Us Highway 271 N, Gilmer 75644 |
| East Texas Professional | 1091 Us Highway 271 N, Gilmer 75644 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Upshur County?
Upshur 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 Upshur 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 Upshur County?
Options include 11 bank and 5 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 Upshur County?
Fill out our short online form from anywhere in Upshur 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 an emergency loan in Upshur County?
Yes. When an unexpected bill comes up, Upshur 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 Upshur County with bad credit?
Yes, many lenders in our network work with Upshur 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 Upshur County, TX?
You can apply at banks, credit unions and lenders in Upshur 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 Upshur County?
Yes. You don't need to visit a branch or storefront anywhere in Upshur 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.