Loans in Lufkin, TX | Fast Payday & Personal Loans Online

How It Works

Get the funds you need in a few simple steps

1

Submit Your Request

Fill out our simple, secure online form in just a few minutes. We just need some basic personal and financial information to get started.

2

We Attempt to Connect You

Our system instantly pings our network of licensed third-party lenders and Credit Access Businesses to try and find a match for your loan request.

3

Review Your Offer

If matched, you will be redirected to the lender's site to carefully review the rates, CAB fees, and terms of your specific loan offer.

4

Receive Your Funds

Once you accept and sign your loan agreement, the lender will typically deposit the funds directly into your checking account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform non-traditional credit checks or check your credit through major bureaus to determine creditworthiness. Submitting a request does not guarantee approval.

Loan Information

Explore our loan options and find out if you qualify.

Loan Amounts

$100 to $5,000

Loan Terms

7 days to 60 months

APR Range

5.99% to over 400%

Loan Types Available

Payday Loans Installment Loans Personal Loans Title Loans

Eligibility Requirements

Be at least 18 years old
Be a US citizen or permanent resident
Have a steady source of income
Have an active checking account in your name
Reside in a state where the loan is permitted, such as Texas

Required Documents

Government-issued ID or Driver's License
Proof of income such as pay stubs or bank statements
Proof of residence in Texas
Active checking account and routing number
Valid email address and working phone number

Why Choose Us

Benefits that make the difference

Fast Connection Process

Our system works in real-time to try and match your request with an available lender in our network.

All Credit Histories Considered

Lenders look at your current income and ability to repay, not just your past credit mistakes.

Secure Technology

We use industry-standard 256-bit encryption to keep your personal data protected from unauthorized access.

Clear Terms

If matched, your lender will provide a transparent loan agreement detailing all CAB fees and interest before you sign.

Convenient Funding

Approved funds are typically deposited via ACH directly into your checking account, saving you a trip to the bank.

Free Matching Service

You will never be charged a fee by us for using our platform to try and find a lender.

What Our Customers Say

5/5

Helped me out of a tight spot

My truck broke down near loop 287 and I didn't have the $400 for a new alternator. Filled out the form on my phone and got a call from a lender pretty quick. The funds were in my bank the next morning. Lifesaver.

Marcus Johnson ·Lufkin, TX

4/5

Quick process, higher fees

The process was incredibly easy and I didn't have to drive anywhere. I needed $600 for rent. I got approved despite my bad credit, but make sure you read the CAB fees because the interest adds up if you don't pay it off fast.

Sarah Jenkins ·Nacogdoches, TX

5/5

Very straightforward

I was skeptical about doing this online but Lufkin Cash Connect made it simple. Found a lender willing to work with me. Paid off my emergency medical bill.

David Torres ·Diboll, TX

5/5

Better than storefronts

I used to go down to the local shops in town and wait in line. Doing it this way matched me without the hassle. Got $300 next day.

Emily Carter ·Lufkin, TX

4/5

Good for emergencies

It is exactly what it says it is. I had a plumbing emergency at the house and needed cash before payday. Not a long term solution but it works when you're in a bind.

Robert Haynes ·Huntington, TX

Payday Loan and Cash Advance Stores in Lufkin, Texas

Borrowers in Lufkin, Texas, have access to a variety of local storefronts for their immediate financial needs, including payday loans, title loans, and check cashing services. Whether you prefer visiting a neighborhood branch in person to speak with a representative or using our efficient online matching service to secure a loan from the comfort of your home, there are many reliable options available throughout the city.

TitleMax Title Loans

212 S Timberland Dr, Lufkin, TX 75901

Title Loans (936) 206-5200 Mon-Fri 9am-6pm, Sat 10am-2pm

Texas Car Title and Payday Loan Services, Inc.

617 N Timberland Dr, Lufkin, TX 75901

Payday Loans (936) 637-0100 Mon-Fri 10am-6pm, Sat 10am-5pm

Advance America

454 N Timberland Dr, Lufkin, TX 75901

Cash Advance (936) 634-4510 Mon-Fri 10am-6pm, Sat 10am-3pm

Payment1

103 N Brentwood Dr #850, Lufkin, TX 75904

Title Loans (936) 634-4473 Mon-Fri 9am-6pm, Sat 9am-1pm

Cash Store

107 S Timberland Dr, Lufkin, TX 75901

Cash Advance (936) 632-5201 Mon-Fri 10am-6pm, Sat 10am-2pm

Angelina Check Express

3009 S John Redditt Dr Ste H, Lufkin, TX 75904

Check Cashing (936) 637-2274 Mon-Fri 8am-6pm, Sat 8am-4pm

Loanstar Title Loans

903 N Timberland Dr, Lufkin, TX 75901

Title Loans (936) 639-2274 Mon-Fri 9am-6pm, Sat 10am-2pm

Mr Payroll Check Cashing Service

1203 S Chestnut St, Lufkin, TX 75901

Check Cashing (936) 634-1188 Mon-Fri 9am-5pm

Republic Finance

1600 W Frank Ave Ste B, Lufkin, TX 75904

Cash Advance (936) 219-1228 Mon-Fri 8am-5pm

1st Franklin Financial

3007 South John Redditt Drive Suite C, Lufkin, TX 75904

Cash Advance (936) 632-1555 Mon-Fri 8:30am-5:30pm

Lufkin Community Profile

Lufkin serves as the regional economic hub of East Texas, with its economy primarily supported by the healthcare, manufacturing, and retail sectors. Despite its role as a commercial center, the city faces significant economic challenges, including a poverty rate that exceeds both the state and national averages. With a median household income roughly 30% lower than the Texas median, many residents live paycheck-to-paycheck, making them vulnerable to financial shocks. The high reliance on personal vehicles for commuting, coupled with limited public infrastructure, often necessitates short-term lending options for residents to cover unexpected vehicle repairs, medical bills, or utility gaps.

34,251

Population

$56,722

Median Household Income

19.2%

Poverty Rate

4.1%

Unemployment Rate

Means of Transportation to Work

Drove Alone 79%

Carpooled 11%

Public Transit 0%

Walked 1%

Work from Home 7%

Other 2%

Class of Worker

Private Wage & Salary 81.5%

Government 13.4%

Self-Employed 4.9%

Unpaid Family 0.2%

Household Income Distribution

Under $25K 22.5%

$25K - $50K 23.5%

$50K - $75K 16.5%

$75K - $100K 14.5%

Over $100K 23%

Source: U.S. Census Bureau, American Community Survey 2023 5-Year Estimates; Bureau of Labor Statistics, December 2025

Frequently Asked Questions

Q1 Are payday loans legal in Lufkin, TX?

Yes, payday loans and short-term cash advances are legal in Lufkin and throughout Texas. Most operate through Credit Access Businesses (CABs) governed by the Texas Office of Consumer Credit Commissioner (OCCC).

Q2 How much can I borrow in Texas?

While Texas does not have a hard state-mandated cap on payday loan amounts, most lenders typically limit loan amounts to no more than 20% of your gross monthly income to help ensure you can repay the debt.

Q3 Do I need a good credit score to get a loan in Lufkin?

No, you do not necessarily need good credit. The lenders in our network specialize in working with borrowers from all credit backgrounds. They will evaluate your current employment, monthly income, and overall ability to repay the loan rather than relying solely on your past credit history.

Q4 How fast can I get the funds if approved?

If you are matched with a lender and accept their loan offer, the funds are typically deposited directly into your active checking account as soon as the next business day. In some specific cases, lenders may offer same-day funding, but this depends on your bank's processing times and when you sign the agreement.

Q5 What if I cannot repay my payday loan on time?

In Texas, lenders are generally permitted to roll over a short-term loan up to three times. However, rollovers incur additional CAB fees and interest, making the loan significantly more expensive. It is highly recommended to contact your lender directly to discuss a manageable payment plan if you are struggling.

Q6 Will submitting a request impact my FICO score?

Submitting our initial online connection form does not typically cause a hard pull on your credit report. However, lenders in our network may perform non-traditional credit checks or a formal hard check through major bureaus (Equifax, Experian, TransUnion) before final approval, which could temporarily impact your score.

Q7 Are you a direct lender in Lufkin?

No, we are not a direct lender. Lufkin Cash Connect is a free matching service that connects borrowers in Angelina County with a network of third-party lenders and Credit Access Businesses. We do not make any credit decisions.

Q8 What do I need to apply for a loan?

At a minimum, you must be 18 years or older, have a valid government-issued ID, provide proof of steady income, and have an active checking account in your name. Lenders will also require a valid email address and phone number.

Ready to Get Started?

Unexpected expenses do not wait. Request your loan today and you could have funds in your account as soon as the next business day.

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