Personal loans in Benavides, TX
In Benavides, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Roughly 1,144 residents live in Benavides, the 767th-largest community in Texas.
Population in Benavides dropped about 3.6% over the three years from 2020 to 2023. Judge Benavides offers on total cost, not on how quickly the money arrives. The closest larger place is San Diego, TX about 16 miles away. A single loan can carry different costs on either side of a state line, and Benavides sits on the Texas side of that line.
Where Benavides stands
Most of what governs a Benavides loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: 1,144 residents; Benavides is the 767th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 3.6% since the 2020 count.
- People gained or lost: about 43 fewer since the 2020 base.
- Size percentile: bigger than about 37% of the places in Texas, with 1,144 residents in Benavides.
- Density: roughly 646 residents per square mile, spread over 1.8 sq mi of land.
- Land area: Benavides covers 1.8 square miles, the 780th-largest area among Texas's 1,224 places.
- State share: roughly 0.0% of Texas's residents live in Benavides (1,144 people).
- Nationally: Benavides is the 9,723rd-largest of 19,457 Census places in the dataset.
- Growth rank: Benavides ranks 1,133rd among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Benavides moved 3.6%.
- Density rank: Benavides is the 775th most densely settled place in Texas.
- Against the state median: Benavides runs about 646 residents per square mile, where the Texas median is 840.
- Location: mapped by the US Census Bureau at 27.5969, -98.4138.
- Nearest larger cities: San Diego (16 mi); Freer (23 mi); Alice (24 mi); Premont (24 mi); Falfurrias (31 mi). Larger metros often have more branches, but online lenders reach Benavides on the same terms.
- Smaller places close by: Agua Dulce (33 mi); Driscoll (41 mi); Lake City (47 mi).
- Within a 50-mile radius: 6 smaller Census places.
- Within 100 miles: 61 places are larger than Benavides.
What to do before borrowing in Benavides
A sensible order of operations for a loan in Benavides, home to about 1,144 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Texas regulator's licence records before you sign.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
None of these steps is Benavides-specific: the same Texas licensing and disclosure rules reach all 1,144 residents.
Which Texas laws govern a loan in Benavides
The rows below set out what a licensed lender must follow in Texas, and so for Benavides's roughly 1,144 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
| Small-loan / installment lender licensing | License 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 |
How lenders reach Benavides
Benavides is a moderately settled community of about 1,144 people, with 10 larger places inside a 50-mile radius. Lenders licensed in Texas reach Benavides's 1,144 residents online, so the nearest branch is not what sets your APR. The nearest larger city, San Diego, TX about 16 miles away.
Land, water and location for Benavides
Benavides covers about 1.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 646 people per square mile. The state's population centre of gravity, Houston, is roughly 238 miles away. Within 50 miles of Benavides there are 10 larger Census places. Within the same 50 miles lie 6 smaller Census places.
Where Benavides sits in Texas
Against Texas's other places, Benavides accounts for about 0.0% of the state's population and ranks 767th of 1,224 by size. On the 2020-to-2023 trend, Benavides stands 1,133rd among Texas's 1,224 places — roughly the 7th percentile. Its roughly 646 residents per square mile place it 775th among Texas's places. Within 50 miles sit 6 smaller Census places, alongside the 10 that are larger.
Common questions
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Nearby places
- San Diego, TX — population 3,605
- Freer, TX — population 2,363
- Premont, TX — population 2,401
- Alice, TX — population 17,579
- Falfurrias, TX — population 4,420
- Agua Dulce, TX — population 675
- Kingsville, TX — population 24,586
- Orange Grove, TX — population 1,178