Personal loans in Carrizo Springs, TX

Carrizo Springs is a small community in Texas, with an estimated 4,628 residents, and every licensed lender here follows the same state rulebook. Census figures put the 2020-to-2023 decrease in Carrizo Springs at about 5.2%.

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

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.

Carrizo Springs is home to roughly 4,628 people and stands 388th by size out of 1,224 Census places in Texas. Read the disclosure for an origination fee and any prepayment penalty before signing in Carrizo Springs. Every figure below is Texas's own, applied to Carrizo Springs's 4,628 residents, with the publisher and retrieval date attached. The nearest larger city is Crystal City, TX about 12 miles away.

Where Carrizo Springs stands

What follows is Carrizo Springs's place in the Census record, alongside the Texas rules that govern a personal loan made here.

Carrizo Springs on the map

Carrizo Springs covers about 3.1 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 4,628 residents, the land area yields roughly 1,498 people per square mile. For the state's biggest city, Houston, the distance is roughly 283 miles. A 50-mile radius around Carrizo Springs takes in 3 places that are larger. The 100-mile radius contains 9 larger places.

Before you apply in Carrizo Springs

Before you hand your details to a lender in Carrizo Springs, where the population is near 4,628:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the lender holds a Texas licence by checking the regulator named above.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Texas; what changes is your credit file, not the fact that Carrizo Springs holds 4,628 people.

Where Carrizo Springs sits in Texas

Within Texas, Carrizo Springs holds roughly 0.0% of all residents, the 388th-largest share among 1,224 places. For population change between 2020 and 2023, Carrizo Springs ranks 1,199th of 1,224 in Texas (about the 2th percentile). At about 1,498 people per square mile, Carrizo Springs is the 281st most densely settled place in Texas. Within 50 miles sit 5 smaller Census places, alongside the 3 that are larger.

The Texas lending rules that reach Carrizo Springs

Texas has no separate rate rule for Carrizo Springs; the sourced rows below are what reach every lender that serves its 4,628 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
Payday lending statusLegal 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 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

Inside a Carrizo Springs personal loan

A Carrizo Springs personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,628 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Carrizo Springs. Because the payment is fixed, the total cost of a Carrizo Springs loan is knowable in advance — unlike a revolving card balance.

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 Carrizo Springs 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 Carrizo Springs is the same as anywhere in Texas.
What loan size can I expect in Carrizo Springs?
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 Carrizo Springs?
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 Carrizo Springs 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.

Nearby places

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