Loans in Wichita County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wichita County, TX.
The median household in Wichita County earns $63,524 a year, 19% below the Texas median of $78,476. About 16% of residents live below the federal poverty line, and 38.6% of households rent their home.
What you need for a payday loan in Wichita County
Most Wichita 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 Wichita County
What Wichita County borrowers use it for
cover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Wichita 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 Wichita County
Banks with branches in Wichita County
32 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank | 5 | 300 E 3rd St, Burkburnett 76354 |
| American National Bank & Trust | 4 | 2732a Midwestern Pkwy, Wichita Falls 76308 |
| Prosperity Bank | 4 | 900 Midwestern Pkwy, Wichita Falls 76302 |
| Pilgrim Bank | 3 | 104 W Park Ave, Iowa Park 76367 |
| First National Bank Texas | 3 | 2700 Central Fwy, Wichita Falls 76306 |
| Wells Fargo Bank, National Association | 2 | 2301 Kell Blvd, Wichita Falls 76308 |
| JPMorgan Chase Bank, National Association | 2 | 4245 Kemp Blvd, Wichita Falls 76308 |
| Investar Bank, National Association | 2 | 3801 Fairway Blvd, Wichita Falls 76310 |
| FSNB, National Association | 2 | Building 239, Sheppard Afb 76311 |
| The Waggoner National Bank of Vernon | 1 | 401 W Front Ave, Electra 76360 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wichita County
16 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Wichita Falls | 2100 Seymour Hwy, Wichita Falls 76301 |
| Union Square | 1401 Holliday St, Wichita Falls 76301 |
| Texoma Community | 3800 Sheppard Access Rd, Wichita Falls 76306 |
| Wichita Falls Teachers | 4301 Barnett Rd, Wichita Falls 76310 |
| Postel Family | 4400 Maplewood Ave, Wichita Falls 76308 |
| Secured Advantage | 903 W Highway St, Iowa Park 76367 |
| Midwestern State University | 3410 Taft Blvd, Wichita Falls 76308 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Wichita County
Frequently asked questions
Are payday loans legal in Wichita County?
Wichita 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 Wichita 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 Wichita County?
Options include 32 bank and 16 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 Wichita County?
Fill out our short online form from anywhere in Wichita 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 Wichita County, TX?
You can apply at banks, credit unions and lenders in Wichita 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 Wichita County?
Yes. You don't need to visit a branch or storefront anywhere in Wichita 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 Wichita County with bad credit?
Yes, many lenders in our network work with Wichita 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 Wichita 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. Wichita County residents can start any time, and it takes about 3 minutes.