Loans in Wood County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Wood County, TX.
The median household in Wood County earns $60,300 a year, 23% below the Texas median of $78,476. About 12% of residents live below the federal poverty line, and 19.9% of households rent their home. 10.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Wood County
Lenders that serve Wood County typically ask for the following:
- 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 Wood County
What Wood 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
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Wood 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 Wood County
Banks with branches in Wood County
19 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The City National Bank of Sulphur Springs | 6 | 200 N Pacific St, Mineola 75773 |
| Origin Bank | 3 | 412 E Goode St, Quitman 75783 |
| Broadstreet Bank S S B | 3 | 215 W Broad St, Mineola 75773 |
| The First National Bank of Winnsboro | 2 | 315 N Main St, Winnsboro 75494 |
| The First National Bank of East Texas | 2 | 417 S Main St, Quitman 75783 |
| Prosperity Bank | 1 | 607 S Main St, Winnsboro 75494 |
| Southside Bank | 1 | 1478 N Beaulah St, Hawkins 75765 |
| First National Bank Texas | 1 | 135 Ne Loop 564, Mineola 75773 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Wood County
5 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| My | 415 W Broad St, Mineola 75773 |
| Yantis | 110 E Quitman St, Alba 75410 |
| Alba-Golden | 140 Broadway St, Alba 75410 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Wood County?
Wood 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 Wood 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 Wood County?
Options include 19 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 Wood County?
Fill out our short online form from anywhere in Wood 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 Wood County, TX?
You can apply at banks, credit unions and lenders in Wood 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 a loan in Wood County with bad credit?
Yes, many lenders in our network work with Wood 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 apply for a loan online in Wood County?
Yes. You don't need to visit a branch or storefront anywhere in Wood 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 Wood 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. Wood County residents can start any time, and it takes about 3 minutes.