Loans in Matagorda County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Matagorda County, TX.
The median household in Matagorda County earns $58,628 a year, 25% below the Texas median of $78,476. About 21% of residents live below the federal poverty line, and 31.9% of households rent their home. 11.3% of households have no home internet; our form works on any phone.
What you need for a payday loan in Matagorda County
Lenders that serve Matagorda 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 Matagorda County
What Matagorda County borrowers use it for
keep getting to work while the shop fixes it
Need money nowthe fastest options online
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Matagorda 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 Matagorda County
Banks with branches in Matagorda County
8 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Prosperity Bank | 2 | 1600 7th St, Bay City 77414 |
| The First State Bank | 2 | Ave B & 10th St, Blessing 77419 |
| International Bank of Commerce | 1 | 1916 7th St, Bay City 77414 |
| First Financial Bank | 1 | 459 Main St, Palacios 77465 |
| Woodforest National Bank | 1 | 4600 7th St, Bay City 77414 |
| First National Bank Texas | 1 | 2700 7th St, Bay City 77414 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Matagorda County
7 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Texas Dow Employees | 4205 7Th St, Bay City 77414 |
| First Service | 12090 Fm 521, Wadsworth 77483 |
| Baycel | 2320 6Th St, Bay City 77414 |
| Matagorda County | 3700 Avenue F, Bay City 77414 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Matagorda County
Frequently asked questions
Are payday loans legal in Matagorda County?
Matagorda 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 Matagorda 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 Matagorda County?
Options include 8 bank and 7 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 Matagorda County?
Fill out our short online form from anywhere in Matagorda 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 an emergency loan in Matagorda County?
Yes. When an unexpected bill comes up, Matagorda 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 Matagorda 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. Matagorda County residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in Matagorda County?
Yes. You don't need to visit a branch or storefront anywhere in Matagorda 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.
Where can I get a loan in Matagorda County, TX?
You can apply at banks, credit unions and lenders in Matagorda 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.