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%.
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.
- Population: about 4,628 people live here, which puts Carrizo Springs 388th of 1,224 Census places in Texas (Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 5.2%.
- Change in people: the 2020-to-2023 comparison is a loss of about 256 residents.
- Size percentile: Carrizo Springs sits ahead of around 68% of Texas places, at 4,628 people.
- Population density: about 1,498 people per square mile across 3.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Carrizo Springs's 3.1 square miles rank 518th of 1,224 places in Texas.
- Water area: Carrizo Springs has 0.01 square miles of water, ranking 534th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Carrizo Springs.
- Nationally: Carrizo Springs is the 5,044th-largest of 19,457 Census places in the dataset.
- Growth in Texas: Carrizo Springs stands 1,199th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Carrizo Springs moved 5.2%.
- Density rank: Carrizo Springs places 281st among Texas's places by people per square mile.
- Against the state median: Carrizo Springs runs about 1,498 residents per square mile, where the Texas median is 840.
- Location: coordinates 28.5258, -99.8593 (US Census Bureau Gazetteer).
- Nearest larger cities: Crystal City (12 mi); Eagle Pass (40 mi); Uvalde (48 mi); Pearsall (53 mi); Laredo (70 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller places: Asherton (8 mi); Big Wells (18 mi); Cotulla (38 mi).
- Smaller places within 50 miles: 5 of them.
- At 100 miles: 9 larger Census places fall inside that radius.
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:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the lender holds a Texas licence by checking the regulator named above.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
- 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.
| 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 |
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.
Common questions
What are my options in Carrizo Springs if my credit is poor?
What loan size can I expect in Carrizo Springs?
Do I have to pledge anything to borrow in Carrizo Springs?
Does comparing loans in Carrizo Springs cost me credit score points?
Nearby places
- Asherton, TX — population 690
- Crystal City, TX — population 6,099
- Big Wells, TX — population 461
- Cotulla, TX — population 3,612
- Eagle Pass, TX — population 28,282
- Uvalde, TX — population 15,436
- Dilley, TX — population 3,333
- Encinal, TX — population 521