Personal financing in Gray County.
County-by-county financing guides. No paperwork. No social. No ID.
2 institutions are headquartered inside the Gray County line, and 2 more keep a branch here. Below, we say which is which.
Not this lane? Business FinancingHome Financing
The doors in Gray County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- Lefors Credit UnionPersonal · Home
- Pampa Municipal Credit UnionPersonal
Based elsewhere, with a member-facing office inside the Gray County line. You can walk in.
- Acfcu Credit UnionPersonal · Home · Business capital
- Santa Fe Credit UnionPersonal · Home
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
3 of these doors accept an ITIN.
They will open an application with an ITIN instead of a social security number. They are marked ACCEPTS ITIN below.
This guide helps solo contractors, small-business owners, and everyday residents of Gray County, Texas find personal financing that fits their situation. It covers who qualifies locally, what documents you typically need, and which local and regional lenders — including ITIN-friendly options and CDFIs — actually serve this area. It also explains state-specific rules and common traps to avoid so you can make confident, informed decisions without pressure.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN GRAY COUNTY →
Home FinancingPurchase, renovation, HELOC, and bridge loans for homeowners and investorsSEE IT IN GRAY COUNTY →119TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.261 institutions fund personal financing inside Texas county lines.OPEN THE STATE →
Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.