Loans in Upton County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Upton County, TX.
The median household in Upton County earns $49,167 a year, 37% below the Texas median of $78,476. About 16% of residents live below the federal poverty line, and 22.8% 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 Upton County
Most Upton 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 Upton County
What Upton County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Upton 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 Upton County
Banks with branches in Upton 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 |
|---|---|---|
| Texas Financial Bank | 1 | 922 Main St, Rankin 79778 |
| American Momentum Bank | 1 | 1001 Burleson, Mc Camey 79752 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Upton County. The nearest counties with credit unions:
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.
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.
Frequently asked questions
Are payday loans legal in Upton County?
Upton 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 Upton 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 Upton 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 Upton County?
Fill out our short online form from anywhere in Upton 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 Upton County, TX?
You can apply at banks, credit unions and lenders in Upton 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 Upton County?
Yes. When an unexpected bill comes up, Upton 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 Upton County with bad credit?
Yes, many lenders in our network work with Upton 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 Upton 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. Upton County residents can start any time, and it takes about 3 minutes.