- Payday loans in Round Rock 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 Austin, about 17 miles away.
Round Rock at a glance
| Round Rock | |
|---|---|
| Population (2024 Census estimate) | 135,359 |
| Change since 2020 | +12.3% (growing fast) |
| Counties | Travis County and Williamson County |
| Size rank among 1,127 Texas places we cover | 28th |
| Nearest larger city | Austin (about 17 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 17 |
| Other towns within 25 miles | 29 (about 1,497,900 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
Payday lending in Round Rock follows Texas state law. Lenders that serve Round Rock, in a store or online, must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).
Credit unions near Round Rock
No credit union has its main office in Round Rock, but these are based elsewhere in Travis County (NCUA, June 2026):
- University Federal Credit Union in Austin (federal charter — may offer payday alternative loans (PALs))
- Austin Telco Federal Credit Union in Austin (federal charter — may offer payday alternative loans (PALs))
- A+ Federal Credit Union in Austin (federal charter — may offer payday alternative loans (PALs))
- Greater Texas Federal Credit Union in Austin (federal charter — may offer payday alternative loans (PALs))
- Austin Federal Credit Union in Austin (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 Round Rock
| Rule | Texas |
|---|---|
| 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 |
| Local rules | Many Texas cities, including Austin and Dallas, have adopted ordinances that further limit loan size and renewals |
Many Texas cities have their own rules for credit access businesses, such as limits on loan size and renewals. Ask the lender whether Round Rock has one, or contact the city.
What a $300 loan costs in Round Rock
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 Travis County before you borrow
- Call or text 211 for help with rent, utilities and food in Travis 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 Round Rock
The nearest larger city is Austin, 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 Round Rock?
Yes. Payday loans are legal in Round Rock 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 Round Rock?
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 Round Rock?
No credit union is headquartered in Round Rock, but University Federal Credit Union is based in Austin, also in Travis 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