Loans in Lavaca County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lavaca County, TX.
The median household in Lavaca County earns $63,240 a year, 19% below the Texas median of $78,476. About 12% of residents live below the federal poverty line, and 21.7% of households rent their home. 16.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lavaca County
Most Lavaca County applicants can finish in one sitting if they have these ready:
- 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 Lavaca County
What Lavaca County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Lavaca 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 Lavaca County
Banks with branches in Lavaca County
10 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| SouthStar Bank, S.S.B. | 2 | 100 S Main St, Moulton 77975 |
| Crossroads Bank | 2 | 201 N Lavaca, Moulton 77975 |
| The Huntington National Bank | 1 | 103 W 7th St, Shiner 77984 |
| Peoples State Bank of Hallettsville | 1 | 116 E 3rd St, Hallettsville 77964 |
| Prosperity Bank | 1 | 109 S La Grange St, Hallettsville 77964 |
| Sage Capital Bank, | 1 | 1406 N Avenue E, Shiner 77984 |
| The First State Bank | 1 | 803 N Avenue E, Shiner 77984 |
| First Lockhart Bank | 1 | 316 Avenue E, Shiner 77984 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lavaca County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Texas Dow Employees | 1627 N Texana St, Hallettsville 77964 |
| Sacred Heart Parish Hallettsville | 1206 N Texana St, Hallettsville 77964 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Lavaca County?
Lavaca 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 Lavaca 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 Lavaca County?
Options include 10 bank and 2 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 Lavaca County?
Fill out our short online form from anywhere in Lavaca 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 Lavaca County, TX?
You can apply at banks, credit unions and lenders in Lavaca 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 Lavaca 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. Lavaca County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Lavaca County?
Yes. You don't need to visit a branch or storefront anywhere in Lavaca 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 an emergency loan in Lavaca County?
Yes. When an unexpected bill comes up, Lavaca 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.