Personal loans in La Feria, TX

La Feria shed about 1.2% of its population between the 2020 base and the 2023 estimate. The Census estimates 6,758 residents in La Feria, which ranks it 316th 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.

With roughly 6,758 residents, La Feria is a small town, and the lending rules its borrowers live under are written in Texas, not by the city. Rate-shopping from La Feria costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A lender that serves La Feria operates under Texas lending statutes and a Texas supervisor. For a bigger market, look to Mercedes, TX about 5 miles away.

Borrowing in La Feria: the local picture

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

Which Texas laws govern a loan in La Feria

For the roughly 6,758 residents of La Feria, the rules below are Texas's own; each row carries its publisher and retrieval date.

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

How a La Feria personal loan is priced

With roughly 6,758 residents, La Feria is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than La Feria's rank of 316th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in La Feria decides the split between a comfortable payment and the total interest you pay.

Borrowing reach in La Feria

At roughly 1,539 people per square mile, La Feria is moderately settled; 17 larger places lie within 50 miles. Distance to a branch rarely matters for La Feria's 6,758 residents: the application is online and the price follows your credit file. The nearest larger city, Mercedes, TX about 5 miles away.

La Feria: area, density and distance

La Feria covers about 4.4 square miles of land, with 0.09 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,539 residents per square mile. The state's population centre of gravity, Houston, is roughly 292 miles away. Within 50 miles of La Feria there are 17 larger Census places. Within the same 50 miles lie 24 smaller Census places.

Where La Feria sits in Texas

Set beside Texas's 1,224 places, La Feria ranks 316th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 981st of 1,224 Texas places, putting it near the 20th percentile for growth. Its roughly 1,539 residents per square mile place it 270th among Texas's places. Between 2020 and 2023 the count changed by roughly 79 residents.

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 La Feria 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 La Feria is the same as anywhere in Texas.
What loan size can I expect in La Feria?
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 La Feria?
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 La Feria 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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