- Payday loans in Brazoria follow Texas law (Texas Finance Code chapter 393 (Credit Access Businesses)).
- Texas law sets no cap on payday loan fees, so prices vary widely by lender.
- The nearest larger city is Lake Jackson, about 7 miles away.
Brazoria at a glance
| Brazoria | |
|---|---|
| Population (2024 Census estimate) | 2,898 |
| Change since 2020 | +1.1% (growing) |
| County | Brazoria County |
| Size rank among 1,127 Texas places we cover | 504th |
| Nearest larger city | Lake Jackson (about 7 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Brazoria County | 4 |
| Other towns within 25 miles | 15 (about 108,252 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
Whether you borrow at a storefront in Lake Jackson or online from Brazoria, the lender must hold a Texas license from the Texas Office of Consumer Credit Commissioner (OCCC) and follow state limits.
Credit unions near Brazoria
No credit union has its main office in Brazoria, but these are based elsewhere in Brazoria County (NCUA, June 2026):
- Old Ocean Federal Credit Union in Sweeny (federal charter — may offer payday alternative loans (PALs))
- Chocolate Bayou Community Federal Credit Union in Alvin (federal charter — may offer payday alternative loans (PALs))
- Brazos Community Credit Union in Alvin (state charter)
- American Baptist Association Credit Union in Angleton (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
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Payday loan rules that apply in Brazoria
Key Texas limits that apply to Brazoria borrowers: how it works: most payday and title loans are arranged by licensed Credit Access Businesses (CABs) with a third-party lender; fees: cAB fees are not capped by state law, which is why Texas has some of the highest APRs in the country; licensing: each CAB location must be licensed by the OCCC. See the full Texas payday loan rules.
Many Texas cities have their own rules for credit access businesses, such as limits on loan size and renewals. Ask the lender whether Brazoria has one, or contact the city.
What a $300 loan costs in Brazoria
Texas law sets no cap on payday loan fees, so prices vary widely by lender. Statewide, the typical APR on a $400 payday loan was 662% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Brazoria County before you borrow
- Credit union payday alternative loans (PALs): $200–$2,000 at no more than 28% APR. Search for a federal credit union in Brazoria that offers them. See how PALs work.
- Your bank’s small-dollar loan, if it offers one. See bank small-dollar loans.
- Cash advance apps for $20–$500 based on your direct deposits. See apps compared.
- 211: call or text 211 for local help with rent, utilities and food.
Towns near Brazoria
- Lake Jackson · 7 mi
- Jones Creek · 8 mi
- Sweeny · 8 mi
- Bailey's Prairie · 8 mi
- West Columbia · 8 mi
- Richwood · 10 mi
The nearest larger city is Lake Jackson, about 7 miles away. See all 1,127 Texas cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Brazoria?
Yes. Payday loans are legal in Brazoria under Texas state law, and lenders must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).
How much does a payday loan cost in Brazoria?
Texas law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 662% in 2023.
Where is the nearest credit union to Brazoria?
No credit union is headquartered in Brazoria, but Old Ocean Federal Credit Union is based in Sweeny, also in Brazoria County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Texas OCCC — Credit access businesses
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary