Loans in San Patricio County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for San Patricio County, TX.
The median household in San Patricio County earns $69,704 a year, 11% below the Texas median of $78,476. About 15% of residents live below the federal poverty line, and 33.1% of households rent their home. 13.4% of households have no home internet; our form works on any phone.
What you need for a payday loan in San Patricio County
Here's what to have on hand before you start your payday loan request in San Patricio County:
- 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 San Patricio County
What San Patricio County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in San Patricio 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 San Patricio County
Banks with branches in San Patricio County
19 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Prosperity Bank | 5 | 103 North Highway 359, Mathis 78368 |
| International Bank of Commerce | 4 | 301 W Sinton St, Sinton 78387 |
| First State Bank of Odem | 2 | 201 Main St, Odem 78370 |
| ValueBank Texas | 2 | 2900 Main St, Ingleside 78362 |
| First Community Bank | 2 | 1001 Wildcat Dr, Portland 78374 |
| First National Bank Texas | 2 | 2000 Us Highway 181, Portland 78374 |
| Frost Bank | 1 | 500 W Broadway Ave, Portland 78374 |
| Wells Fargo Bank, National Association | 1 | 3048 Us Highway 181, Portland 78374 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in San Patricio County
12 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Randolph-Brooks | 1650 Us Highway 181, Portland 78374 |
| Security Service | 110 Lang Rd, Portland 78374 |
| Rally | 285 Buddy Ganem Dr, Portland 78374 |
| Coastlife | 704 Buddy Ganem Dr, Portland 78374 |
| Gulf Coast | 1696 Us Highway Hwy 181, Portland 78374 |
| Nspire | 501 W Merriman St, Sinton 78387 |
| Sherwin | 607 8Th St, Portland 78374 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in San Patricio County
Frequently asked questions
Are payday loans legal in San Patricio County?
San Patricio 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 San Patricio 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 San Patricio County?
Options include 19 bank and 12 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 San Patricio County?
Fill out our short online form from anywhere in San Patricio 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 San Patricio County with bad credit?
Yes, many lenders in our network work with San Patricio 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 San Patricio County?
Yes. When an unexpected bill comes up, San Patricio 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 apply for a loan online in San Patricio County?
Yes. You don't need to visit a branch or storefront anywhere in San Patricio 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 San Patricio County, TX?
You can apply at banks, credit unions and lenders in San Patricio 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.