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Banks vs Payday Loans in Waco, TX
34 branches of 18 FDIC-insured banks operate in Waco. Data: FDIC BankFind, as of June 30, 2026. There are also 17 payday, installment and title loan stores of 15 chains in Waco — about 2.0 bank branches for every loan store.
- Bank branches
- 34
- Payday & loan stores
- 17
- Banks
- 18
- Loan store chains
- 15
- Bank branches per 100k
- 21.0
- Loan stores per 100k
- 10.5
Payday and installment loan stores in Waco
Addresses and phone numbers of storefront lenders in Waco. These loans usually cost far more than a bank or credit union loan — compare first.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1105 W Waco Dr Waco, TX 76707 | (254) 755-8943 | — | 4.9 |
| 720 N Valley Mills Dr Waco, TX 76710 | (254) 741-1800 | — | 4.9 |
| 100 S New Rd Waco, TX 76710 | (254) 399-6347 | — | 4.9 |
| 2520 N 18th St Waco, TX 76708 | (254) 759-8814 | — | 4.9 |
| 807 N. Valley Mills Dr. Waco, TX 76710 | (254) 776-4289 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2403 W Waco Dr Ste c Waco, TX 76707 | (254) 732-2933 | — | 5.0 |
| 5301 Bosque Blvd Ste 110 Waco, TX 76710 | (254) 776-7373 | — | 4.9 |
| 700 N Valley Mills Dr Waco, TX 76710 | (254) 776-5573 | — | 5.0 |
| 408 N Valley Mills Dr Waco, TX 76710 | (254) 265-8828 | — | 4.3 |
| 4300 W Waco Dr Ste B Waco, TX 76710 | (254) 651-2840 | — | 4.8 |
| 5172 W Waco Dr Waco, TX 76710 | (254) 741-1494 | — | 4.5 |
| 2508 W Waco Dr Waco, TX 76710 | (254) 752-4376 | — | 4.6 |
| 4217 W Waco Dr Waco, TX 76710 | (254) 752-1213 | — | 4.8 |
| 2401 W Waco Dr Ste B Waco, TX 76707 | (254) 753-0033 | — | 4.9 |
| 800 N Loop 340 Bellmead, TX 76705 | (254) 867-9500 | — | 4.9 |
| Western Finance 2404 W Waco Dr Waco, TX 76701 | (254) 755-8818 | — | 4.9 |
| 600 Lake Air Dr # 1A Waco, TX 76710 | (254) 722-4940 | — | 4.5 |
Bank branches in Waco
| Address | Branch | Type |
|---|---|---|
| 1521 Interstate 35 N Bellmead, TX 76705 | Bellmead First Convenience Bank Inside Walmart Branch Rc379 | In-store |
| 1821 S Valley Mills Dr Waco, TX 76711 | Valley Mills Rc389 Branch | In-store |
| 4320 Franklin Ave Waco, TX 76710 | Waco Banking Center - Rc 618 | In-store |
| 801 N Interstate 35 Waco, TX 76705 | Heb - Bellmead Banking Center Rc 616 | In-store |
| 1800 Washington Ave Waco, TX 76701 | Community Bank & Trust, Waco, Texas Main office | Full service |
| 1409 Wooded Acres Dr Waco, TX 76710 | Waco Branch | Full service |
| 1711 Lake Success Dr Waco, TX 76710 | Lake Success Branch | Limited service |
| 510 N Valley Mills Dr Waco, TX 76710 | Tfnb Triangle Tower Location Branch | Full service |
| 700 Elm Ave Waco, TX 76704 | Waco Branch | Full service |
| 901 S 8th St Waco, TX 76706 | Downtown Waco Branch | Full service |
| 4721 Bosque Blvd Waco, TX 76710 | Bosque Branch | Full service |
| 7420 Fish Pond Rd Waco, TX 76710 | Farm Bureau Branch | Full service |
| 100 S 4th St, Ste 200 Waco, TX 76701 | Downtown Branch | Full service |
| 1601 Interstate 35 N Waco, TX 76705 | Bellmead Branch | Full service |
| 1700 N Valley Mills Dr Waco, TX 76710 | Waco/north Valley Mills Branch | Full service |
| 605 S University Parks Dr Waco, TX 76706 | Downtown Waco Branch | Full service |
| 1901 Lake Shore Dr Waco, TX 76708 | Fidelity Bank Of Texas Main office | Full service |
| 410 S Robinson Dr Robinson, TX 76706 | Robinson Branch | Full service |
| 1835 N Valley Mills Dr Waco, TX 76710 | First National Bank Of Central Texas Main office | Full service |
| 10332 China Spring Rd Waco, TX 76708 | China Spring Branch | Full service |
| 320 N New Rd Waco, TX 76710 | New Road Branch | Full service |
| 720 S 5th St, Suite 100 Waco, TX 76706 | University Waco Branch | Full service |
| 1227 N Valley Mills Dr Waco, TX 76710 | Waco North Valley Mills Branch | Full service |
| 4010 Bellmead Dr Waco, TX 76705 | Bellmead Branch | Full service |
| 4901 Bosque Blvd Waco, TX 76710 | Waco Bosque Branch | Full service |
| 5500 Bagby Ave Waco, TX 76711 | Waco Bagby Branch | Full service |
| 1105 Wooded Acres Dr Waco, TX 76710 | Waco Wooded Acres Branch | Full service |
| 300 Franklin Ave Waco, TX 76701 | Waco Main Branch | Full service |
| 1100 N Valley Mills Dr Waco, TX 76710 | Lake Air Branch | Full service |
| 5400 Bosque Blvd Waco, TX 76710 | Central Tower Branch | Full service |
| 719 North New Road Waco, TX 76710 | Waco Branch | Full service |
| 10101 China Spring Rd Waco, TX 76708 | China Spring Branch | Full service |
| 5401 Bosque Blvd Waco, TX 76710 | Bosque Branch | Full service |
| 1300 N Valley Mills Dr, Ste 128 Waco, TX 76710 | Waco N. Valley Mills Branch | Full service |
More about Waco
Bank branches as reported to the FDIC, including main offices; branch phone numbers are not published by the FDIC. Loan stores: storefront locations of major payday, installment and title lenders from lender websites and Google Maps; call ahead to confirm hours. Online-only lenders are not included.