Personal loans in El Cenizo, TX
El Cenizo counts about 2,432 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. A 2020-to-2023 comparison shows El Cenizo down by about 4.3%.
By population, El Cenizo sits at 542nd in Texas, with an estimated 2,432 residents. Use the calculator on this page to price an amount and term before you commit in El Cenizo. Rate ceilings, licensing requirements and product limits for El Cenizo are all set at the Texas level. Borrowers who want a bigger city can look to Rio Bravo, TX about 3 miles away.
Local context for El Cenizo
What follows is El Cenizo's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: a Census-estimated 2,432, 542nd among Texas's 1,224 places (Vintage 2023).
- Population trend: Roughly 4.3% fewer residents than the 2020 Census counted.
- Absolute change: 108 residents lost between 2020 and 2023.
- Size percentile: roughly 56% of Texas's places have fewer residents than El Cenizo's 2,432.
- Density: roughly 4,722 residents per square mile, spread over 0.5 sq mi of land.
- Land area: El Cenizo covers 0.5 square miles, the 1,143rd-largest area among Texas's 1,224 places.
- Water: El Cenizo holds about 0.01 square miles, the 493rd-largest water area in Texas.
- Share of Texas: El Cenizo holds about 0.0% of the state's population, some 2,432 people.
- National rank: El Cenizo sits 6,935th by population among the 19,457 places in this dataset.
- Growth in Texas: El Cenizo stands 1,167th by percentage change from 2020 to 2023, among 1,224 places.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against El Cenizo's 4.3%.
- Density in Texas: El Cenizo ranks 15th by people per square mile.
- Density in context: El Cenizo's 4,722 people per square mile sit against a Texas median of 840.
- Location: 27.3317 / -99.5013, per the US Census Bureau Gazetteer.
- Nearest larger cities: Rio Bravo (3 mi); Laredo (16 mi); Roma (70 mi); Escobares (72 mi); Rio Grande City (78 mi). Larger metros often have more branches, but online lenders reach El Cenizo on the same terms.
- Smaller communities within reach: Encinal (50 mi); Freer (66 mi); Benavides (69 mi).
- Smaller neighbours: 1 places smaller than El Cenizo sit within 50 miles.
- Within 100 miles: 15 places are larger than El Cenizo.
How El Cenizo compares across Texas
Within Texas, El Cenizo holds roughly 0.0% of all residents, the 542nd-largest share among 1,224 places. Its 2020-to-2023 change ranks 1,167th of 1,224 Texas places, putting it near the 5th percentile for growth. By density, at about 4,722 people per square mile, it ranks 15th in Texas. By land area, its 0.5 square miles rank 1,143rd of 1,224 places in Texas.
What is available to El Cenizo borrowers
El Cenizo is fairly dense, with about 4,722 people per square mile and 2 larger places within 50 miles. Lenders licensed in Texas reach El Cenizo's 2,432 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Rio Bravo, TX about 3 miles away.
Before you apply in El Cenizo
Before you apply in El Cenizo, a community of about 2,432, work through these steps:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- 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.
- Be clear on what the loan is for and how it gets repaid.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
None of these steps is El Cenizo-specific: the same Texas licensing and disclosure rules reach all 2,432 residents.
El Cenizo on the map
El Cenizo's land area is about 0.5 square miles; a further 0.01 square miles is water. Spread across it are roughly 4,722 residents per square mile. For the state's biggest city, Houston, the distance is roughly 302 miles. Counting outward 50 miles, 2 larger communities surround El Cenizo. Within the same 50 miles lie 1 smaller Census places.
How Texas law applies in El Cenizo
Read the table as a lender's compliance picture for El Cenizo: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| 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 |
Common questions
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Nearby places
- Rio Bravo, TX — population 4,418
- Laredo, TX — population 257,602
- Encinal, TX — population 521
- Freer, TX — population 2,363
- Roma, TX — population 11,554
- Escobares, TX — population 2,563
- Benavides, TX — population 1,144
- Cotulla, TX — population 3,612