- Payday loans in Orange 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.
- 1 credit union is headquartered in Orange; ask about small-dollar loans before borrowing.
Orange at a glance
| Orange | |
|---|---|
| Population (2024 Census estimate) | 19,275 |
| Change since 2020 | 0% (holding steady) |
| County | Orange County |
| Size rank among 1,127 Texas places we cover | 161st |
| Nearest larger city | Port Arthur (about 18 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Orange County | 3 |
| Other towns within 25 miles | 11 (about 243,396 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
There is no separate Orange payday law: Texas rules apply here, and any lender serving Orange residents, online or in person, needs a license from the Texas Office of Consumer Credit Commissioner (OCCC).
Credit unions in Orange
These credit unions have their main office in Orange, according to NCUA call report data (June 2026):
- Sabine Federal Credit Union (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 Orange
In short, Texas rules that cover Orange 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 Orange has one, or contact the city.
What a $300 loan costs in Orange
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 Orange County before you borrow
Before a payday loan, Orange residents can usually find something cheaper:
- Local assistance through 211 covering Orange 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 Orange
The nearest larger city is Port Arthur, about 18 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 Orange?
Yes. Payday loans are legal in Orange 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 Orange?
Texas law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 662% in 2023.
Are there credit unions in Orange?
Yes. NCUA data lists 1 credit union with a main office in Orange, including Sabine Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
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