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Galveston County, Texas (TX)

Title Loans in Galveston, TX

1 lender in Galveston, TX · 1 verified in the last 30 days

Looking for a title loan near you in Galveston, Texas? We list 1 title loan store in Galveston with its address, phone number, opening hours and, where Texas publishes it, license status. Last checked October 7, 2026.

Galveston lenders at a glance

Galveston, in Galveston County (population 53,538), has 1 lender location in our directory: 3 pawn shops, 1 payday loan store, 1 title loan store and 1 installment lender (some stores offer more than one type), across 2 ZIP codes. The chains with the most stores here are EZPAWN (3), ACE Cash Express (1) and World Finance (1). Of the 4 stores that publish hours, 3 open on Saturday and 1 on Sunday. Galveston has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is Hitchcock, about 7 miles away, with 1 location.

County
Galveston County
ZIP codes with stores
77550, 77551
Hours (4 stores list them)
Open Saturday: 3
Open Sunday: 1
Open until 7 pm or later on weekdays: 2

Typical cost in Texas

Galveston's payday and title loan ordinance

Galveston is one of the Texas cities that limit payday and auto title loans by local ordinance (Unified payday/auto-title (CAB) ordinance). Under the ordinance:

  • Credit access businesses must register with the city.
  • A payday loan, including all fees, cannot exceed 20% of the borrower's gross monthly income.
  • An auto title loan cannot exceed the lesser of 3% of gross annual income or 70% of the vehicle's retail value.
  • Installment loans are limited to 4 payments, each paying down at least 25% of the principal.
  • Single-payment loans can be renewed at most 3 times, and each renewal must reduce the principal by at least 25%.

Source: Texas Appleseed, city payday and auto-title ordinances · Last verified Oct 7, 2026. Check the city's current code before relying on these limits.

Questions people ask

How many pawn shops are in Galveston, TX?

We list 3 pawn shops, 1 payday loan store, 1 title loan store and 1 installment lender in Galveston, checked against their sources as of October 7, 2026.

Are payday loans legal in Texas?

Yes. Payday lenders operate in Texas under state rules. For example: A credit services organization that arranges payday loans must hold a credit access business license for each location where it operates (Tex. Fin. Code § 393.603).

Which lenders have the most stores in Galveston?

EZPAWN (3 stores), ACE Cash Express (1 store) and World Finance (1 store).

Are any lenders in Galveston open on weekends?

Of the 4 stores that publish hours, 3 open on Saturday and 1 on Sunday. Holiday hours can differ, so call ahead.

Does Galveston have its own payday loan rules?

Yes. Galveston regulates payday and title lenders by local ordinance (Unified payday/auto-title (CAB) ordinance): a payday loan, with fees, cannot exceed 20% of the borrower's gross monthly income. Texas law applies as well.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Texas OCCC ALECS licensee search · 1 location Last verified Oct 15, 2026
  2. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  3. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  4. Texas Appleseed, city payday and auto-title ordinances · Galveston payday and title loan ordinance Last verified Oct 7, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.