Loans in Duval County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Duval County, TX.
The median household in Duval County earns $49,038 a year, 38% below the Texas median of $78,476. About 33% of residents live below the federal poverty line, and 29.6% of households rent their home. 30.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Duval County
Lenders that serve Duval 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 Duval County
What Duval County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Duval 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 Duval County
Banks with branches in Duval County
4 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Freedom Bank | 2 | 405 S. Norton, Freer 78357 |
| First State Bank of San Diego | 1 | 209 E Gravis St, San Diego 78384 |
| Texas Champion Bank | 1 | 300 East Main Street, Benavides 78341 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Duval County. The nearest counties with credit unions:
Credit unions in Jim Wells County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Coastlife | 2310 E Main St, Alice 78332 |
| Gulf Coast | 1909 E Main St, Alice 78332 |
| Chemcel | 2740 East Main Street, Alice 78332 |
| Cowboy Country | 501 South Broadway, Premont 78375 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Live Oak County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Synergy | 301 E Le Roy St, Three Rivers 78071 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Duval County?
Duval 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 Duval 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 Duval County?
Options include 4 bank 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 Duval County?
Fill out our short online form from anywhere in Duval 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.
Can I get a loan in Duval County with bad credit?
Yes, many lenders in our network work with Duval 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 an emergency loan in Duval County?
Yes. When an unexpected bill comes up, Duval County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in Duval 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. Duval County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Duval County, TX?
You can apply at banks, credit unions and lenders in Duval 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.