Personal loans in Quintana, TX

Two households in Quintana with comparable incomes can still be offered different rates; the city's 26 residents are not the reason.

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.

Which products a lender may offer to Quintana's 26 residents follows from the Texas consumer-lending framework. With an estimated 26 residents, Quintana is the 1,222nd-largest of 1,224 places in Texas. Pull your credit reports and line up at least three offers before you apply from Quintana. The trend for Quintana between 2020 and 2023 is downward by roughly 3.7%. The closest larger city is Freeport, TX about 2 miles away.

Quintana by the numbers

The figures below are Quintana's own — Census population, land area and coordinates — followed by the Texas rules.

The Texas lending rules that reach Quintana

These are Texas's sourced lending facts as they reach Quintana's 26 residents; the state has no city-level rate rule.

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

Steps to take before a Quintana loan

Complete these steps first when you borrow in Quintana (26 residents):

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

In Quintana as elsewhere in Texas, the written terms — not the advertisement — are what count for its 26 residents.

Lender access in Quintana

At roughly 38 people per square mile, Quintana is sparsely settled; 47 larger places lie within 50 miles. A Texas licence lets a lender serve Quintana without a local office, so branch density does not change what its 26 residents are offered. The nearest bigger place is Freeport, TX about 2 miles away.

Quintana in state context

Set beside Texas's 1,224 places, Quintana ranks 1,222nd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 1,145th of 1,224 Texas places, putting it near the 6th percentile for growth. At about 38 people per square mile, Quintana is the 1,221st most densely settled place in Texas. The population moved by about 1 people between 2020 and 2023, a 3.7% shift.

The geography behind Quintana

The Census Gazetteer records 0.7 square miles of land and 1.70 square miles of water within Quintana. That land carries about 38 people per square mile. For the state's biggest city, Houston, the distance is roughly 60 miles. Within 50 miles of Quintana there are 47 larger Census places. By land area it ranks 1,098th of 1,224 Texas places.

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