Personal loans in De Leon, TX

De Leon is a small community in Texas, with an estimated 2,337 residents, and every licensed lender here follows the same state rulebook. The Census estimates 2,337 residents in De Leon, which ranks it 555th of 1,224 places in Texas.

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.

The 2020 count to the 2023 estimate shows about 3.5% growth in De Leon. Every figure below is Texas's own, applied to De Leon's 2,337 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in De Leon. The nearest larger city is Dublin, TX about 12 miles away.

Borrowing in De Leon: the local picture

Most of what governs a De Leon loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

The state rulebook for De Leon

Texas has no separate rate rule for De Leon; the sourced rows below are what reach every lender that serves its 2,337 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

What shapes a De Leon personal loan

De Leon is a small community of about 2,337 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than De Leon's rank of 555th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a De Leon loan is knowable in advance — unlike a revolving card balance.

Land, water and location for De Leon

De Leon covers about 2.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,042 people per square mile. Houston, the largest place in Texas, is about 246 miles from De Leon. De Leon has 11 larger places within a 50-mile radius. By land area it ranks 640th of 1,224 Texas places.

Lender access in De Leon

De Leon is moderately settled, with about 1,042 people per square mile and 11 larger places within 50 miles. What is available to De Leon's 2,337 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Dublin, TX about 12 miles away.

A pre-application checklist for De Leon

A sensible order of operations for a loan in De Leon, home to about 2,337 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Texas regulator's records to confirm the lender is licensed here.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between De Leon and the rest of Texas is not the process but the borrower's own file, among the 2,337 people here.

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 De Leon 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 De Leon is the same as anywhere in Texas.
What loan size can I expect in De Leon?
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 De Leon?
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 De Leon 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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