Personal loans in San Elizario, TX

The first question in San Elizario is not the rate on offer but whether the payment fits; about 10,164 people live here under Texas lending law. About 10,164 people live in San Elizario, placing it 241st of 1,224 Census places in Texas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

Borrowers who want a bigger city can look to Socorro, TX about 4 miles away. San Elizario gained roughly 0.5% in population across the 2020-to-2023 comparison. A single loan can carry different costs on either side of a state line, and San Elizario sits on the Texas side of that line. Begin with the payment, then weigh APR and total interest across the lenders that reach San Elizario's 10,164 residents.

Borrowing in San Elizario: the local picture

Here is the sourced Census picture for San Elizario, plus the Texas lending rules that apply to a loan taken out here.

How lenders reach San Elizario

At roughly 1,473 people per square mile, San Elizario is moderately settled; 4 larger places lie within 50 miles. Whether San Elizario has a local branch or not, a Texas-licensed lender can serve its 10,164 people online on the same terms. The nearest larger city, Socorro, TX about 4 miles away.

How Texas law applies in San Elizario

Texas has no separate rate rule for San Elizario; the sourced rows below are what reach every lender that serves its 10,164 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

Where San Elizario sits

San Elizario covers about 6.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,473 residents per square mile. Houston, the largest place in Texas, is about 658 miles from San Elizario. Within 50 miles of San Elizario there are 4 larger Census places. The 100-mile radius contains 7 larger places.

San Elizario against the rest of Texas

Against Texas's other places, San Elizario accounts for about 0.0% of the state's population and ranks 241st of 1,224 by size. On the 2020-to-2023 trend, San Elizario stands 804th among Texas's 1,224 places — roughly the 34th percentile. Its roughly 1,473 residents per square mile place it 288th among Texas's places. Within 50 miles sit 4 smaller Census places, alongside the 4 that are larger.

What shapes a San Elizario personal loan

With roughly 10,164 residents, San Elizario is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving San Elizario's 10,164 residents must disclose the APR and finance charge in writing before you sign. The term you choose in San Elizario decides the split between a comfortable payment and the total interest you pay.

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