Loans in Refugio County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Refugio County, TX.
The median household in Refugio County earns $60,181 a year, 23% below the Texas median of $78,476. About 15% of residents live below the federal poverty line, and 23.0% of households rent their home. 12.7% of households have no home internet; our form works on any phone.
What you need for a payday loan in Refugio County
Most Refugio 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 Refugio County
What Refugio County borrowers use it for
gifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Refugio 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 Refugio County
Banks with branches in Refugio County
3 FDIC-insured bank branches from 2 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| The First State Bank | 2 | 320 First St, Woodsboro 78393 |
| Vantage Bank Texas | 1 | 111 E Plasuela St, Refugio 78377 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Refugio County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Refugio County | 514 Swift St, Refugio 78377 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Refugio County?
Refugio 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 Refugio 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 Refugio County?
Options include 3 bank and 1 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 Refugio County?
Fill out our short online form from anywhere in Refugio 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 Refugio County, TX?
You can apply at banks, credit unions and lenders in Refugio 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 an emergency loan in Refugio County?
Yes. When an unexpected bill comes up, Refugio 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 Refugio County with bad credit?
Yes, many lenders in our network work with Refugio 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 a loan in Refugio 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. Refugio County residents can start any time, and it takes about 3 minutes.