Personal loans in Agua Dulce, TX

From the 2020 Census base to the 2023 estimate, the population declined by about 2.3%. Two households in Agua Dulce with comparable incomes can still be offered different rates; the city's 675 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

At about 675 residents, Agua Dulce is larger than roughly 25% of the places in Texas. The nearest larger metro is Alice, TX about 10 miles away. For the 675 people in Agua Dulce, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Rate-shopping from Agua Dulce costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

What the Census records for Agua Dulce

Set out below is Agua Dulce's local context next to the state-level rules that reach every lender here.

Where Agua Dulce sits

The Census Gazetteer records about 0.3 square miles of land within Agua Dulce, with no significant water area listed. Spread across it are roughly 1,979 residents per square mile. The state's population centre of gravity, Houston, is roughly 206 miles away. Agua Dulce has 21 larger places within a 50-mile radius. Within the same 50 miles lie 7 smaller Census places.

How a Agua Dulce personal loan is priced

In Agua Dulce, a small community of about 675, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Agua Dulce's rank of 915th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Agua Dulce loan but raises total interest, so the smallest payment is not the cheapest loan.

How Texas law applies in Agua Dulce

Texas has no separate rate rule for Agua Dulce; the sourced rows below are what reach every lender that serves its 675 people.

RuleDetailSource
State lending regulatorTexas Office of Consumer Credit Commissioner (OCCC)
Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas.		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.		Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
Maximum legal interest rate (usury cap)10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001)
Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law.		Texas Legislature (Texas Constitution and Statutes)
as of 2026-09-16

A pre-application checklist for Agua Dulce

Before you hand your details to a lender in Agua Dulce, where the population is near 675:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Agua Dulce-specific: the same Texas licensing and disclosure rules reach all 675 residents.

How lenders reach Agua Dulce

Agua Dulce is a moderately settled community of about 675 people, with 21 larger places inside a 50-mile radius. Whether Agua Dulce has a local branch or not, a Texas-licensed lender can serve its 675 people online on the same terms. The nearest bigger place is Alice, TX about 10 miles away.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Agua Dulce if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Agua Dulce is the same as anywhere in Texas.
What loan size can I expect in Agua Dulce?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Agua Dulce?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Agua Dulce cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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