Payday Loans in Seabrook, TX: Rules, Costs and Local Options

Seabrook at a glance

Payday lending in Seabrook follows Texas state law. Lenders that serve Seabrook, in a store or online, must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).

Credit unions near Seabrook

No credit union has its main office in Seabrook, but these are based elsewhere in Chambers County (NCUA, June 2026):

• Houston Texas Fire Fighters Federal Credit Union in Houston (federal charter — may offer payday alternative loans (PALs))
• Members Trust of the Southwest Federal Credit Union in Houston (federal charter — may offer payday alternative loans (PALs))
• Shell Federal Credit Union in Deer Park (federal charter — may offer payday alternative loans (PALs))
• Primeway Federal Credit Union in Houston (federal charter — may offer payday alternative loans (PALs))
• Houston Police Federal Credit Union in Houston (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 Seabrook

The main Texas rules for a payday loan in Seabrook: 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.

What a $300 loan costs in Seabrook

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 Chambers County before you borrow

• Call or text 211 for help with rent, utilities and food in Chambers 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 Seabrook

• Shoreacres · 2 mi
• El Lago · 4 mi
• Taylor Lake Village · 4 mi
• Clear Lake Shores · 4 mi
• Kemah · 5 mi
• Morgan's Point · 5 mi

The nearest larger city is La Porte, about 6 miles away. See all 1,127 Texas cities.

Frequently asked questions