- Payday loans in Nome 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 Beaumont, about 17 miles away.
Nome at a glance
| Nome | |
|---|---|
| Population (2024 Census estimate) | 470 |
| Change since 2020 | +0.2% (holding steady) |
| County | Jefferson County |
| Size rank among 1,127 Texas places we cover | 999th |
| Nearest larger city | Beaumont (about 17 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Jefferson County | 15 |
| Other towns within 25 miles | 15 (about 149,129 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
There is no separate Nome payday law: Texas rules apply here, and any lender serving Nome residents, online or in person, needs a license from the Texas Office of Consumer Credit Commissioner (OCCC).
Credit unions near Nome
No credit union has its main office in Nome, but these are based elsewhere in Jefferson County (NCUA, June 2026):
- Port Arthur Community Federal Credit Union in Port Arthur (federal charter — may offer payday alternative loans (PALs))
- Neches Federal Credit Union in Port Neches (federal charter — may offer payday alternative loans (PALs))
- Golden Triangle Federal Credit Union in Groves (federal charter — may offer payday alternative loans (PALs))
- Port Arthur Teachers Federal Credit Union in Port Arthur (federal charter — may offer payday alternative loans (PALs))
- Dugood Federal Credit Union in Beaumont (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.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
PaydayEase is not a lender. Requests go to lenders in our network; approval, rates and terms are set by the lender. Rates & fees
Payday loan rules that apply in Nome
In short, Texas rules that cover Nome include: 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 Nome has one, or contact the city.
What a $300 loan costs in Nome
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 Jefferson County before you borrow
Before a payday loan, Nome residents can usually find something cheaper:
- Local assistance through 211 covering Jefferson County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Nome
The nearest larger city is Beaumont, about 17 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 Nome?
Yes. Payday loans are legal in Nome 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 Nome?
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 Nome?
No credit union is headquartered in Nome, but Port Arthur Community Federal Credit Union is based in Port Arthur, also in Jefferson 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