Loans in Starr County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Starr County, TX.
The median household in Starr County earns $37,639 a year, 52% below the Texas median of $78,476. About 34% of residents live below the federal poverty line, and 30.5% of households rent their home. 19.9% of households have no home internet; our form works on any phone.
What you need for a payday loan in Starr County
Most Starr 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 Starr County
What Starr County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Rent duecover a short gap before payday
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Starr 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 Starr County
Banks with branches in Starr County
15 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| International Bank of Commerce | 4 | 1702 E Grant St, Roma 78584 |
| Lone Star National Bank | 4 | 2300 E Main St, Rio Grande City 78582 |
| Texas National Bank | 2 | 1709 N Grant St, Roma 78584 |
| PNC Bank, National Association | 2 | 100 N Britton Ave, Rio Grande City 78582 |
| Rio Bank | 2 | 712 W Main St, Rio Grande City 78582 |
| Texas Regional Bank | 1 | 4389 East Us Highway 83, Rio Grande City 78582 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Starr County
2 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Starr County Teachers | 1322 E San Benito St, Rio Grande City 78582 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Starr County
Frequently asked questions
Are payday loans legal in Starr County?
Starr 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 Starr 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 Starr County?
Options include 15 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 Starr County?
Fill out our short online form from anywhere in Starr 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 Starr County with bad credit?
Yes, many lenders in our network work with Starr 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 apply for a loan online in Starr County?
Yes. You don't need to visit a branch or storefront anywhere in Starr 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 a loan in Starr 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. Starr County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Starr County?
Yes. When an unexpected bill comes up, Starr 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.