- Payday loans in Ingleside on the Bay 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 Corpus Christi, about 6 miles away.
Ingleside on the Bay at a glance
| Ingleside on the Bay | |
|---|---|
| Population (2024 Census estimate) | 602 |
| Change since 2020 | -1% (shrinking) |
| County | San Patricio County |
| Size rank among 1,127 Texas places we cover | 939th |
| Nearest larger city | Corpus Christi (about 6 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in San Patricio County | 2 |
| Other towns within 25 miles | 12 (about 386,102 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
Payday lending in Ingleside on the Bay follows Texas state law. Lenders that serve Ingleside on the Bay, in a store or online, must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).
Credit unions near Ingleside on the Bay
No credit union has its main office in Ingleside on the Bay, but these are based elsewhere in San Patricio County (NCUA, June 2026):
- Nspire Federal Credit Union in Sinton (federal charter — may offer payday alternative loans (PALs))
- Sherwin Federal Credit Union in Portland (federal charter — may offer payday alternative loans (PALs))
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.
Payday loan rules that apply in Ingleside on the Bay
The main Texas rules for a payday loan in Ingleside on the Bay: 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 Ingleside on the Bay has one, or contact the city.
What a $300 loan costs in Ingleside on the Bay
The Center for Responsible Lending put the typical APR on a $400 payday loan in Texas at 662% (June 2023). Texas law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in San Patricio County before you borrow
- Call or text 211 for help with rent, utilities and food in San Patricio County.
- Ask a federal credit union about a PAL: $200–$2,000 at no more than 28% APR (how PALs work).
- Check your bank app for a small-dollar loan or early pay (bank options).
- Try a cash advance app if you have direct deposit (apps compared).
Towns near Ingleside on the Bay
- Ingleside · 3 mi
- Corpus Christi · 6 mi
- Gregory · 8 mi
- Portland · 8 mi
- Port Aransas · 8 mi
- Aransas Pass · 9 mi
The nearest larger city is Corpus Christi, about 6 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 Ingleside on the Bay?
Yes. Payday loans are legal in Ingleside on the Bay 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 Ingleside on the Bay?
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 Ingleside on the Bay?
No credit union is headquartered in Ingleside on the Bay, but Nspire Federal Credit Union is based in Sinton, also in San Patricio 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