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.
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.
- Population: a Census-estimated 10,164, 241st among Texas's 1,224 places (Vintage 2023).
- Population trend: Up about 0.5% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 47 more people than the 2020 Census counted.
- Size percentile: San Elizario sits ahead of around 80% of Texas places, at 10,164 people.
- Population density: about 1,473 people per square mile across 6.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: San Elizario's 6.9 square miles rank 294th of 1,224 places in Texas.
- State share: roughly 0.0% of Texas's residents live in San Elizario (10,164 people).
- National rank: San Elizario is the 3,124th most populous of the 19,457 Census places covered here.
- Growth rank: San Elizario's 2020-to-2023 change ranks 804th of 1,224 places in Texas.
- Against the state trend: San Elizario's 0.5% change compares with a Texas average of +6.5% across its 1,224 places.
- Density in Texas: San Elizario ranks 288th by people per square mile.
- Density vs Texas: San Elizario's 1,473 people per square mile compare with a state median of 840.
- Location: the Census Gazetteer records it at 31.5784, -106.2620.
- Nearest larger cities: Socorro (4 mi); Horizon City (8 mi); El Paso (21 mi); Sunland Park (26 mi); Las Cruces (60 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Clint (2 mi); Vinton (33 mi); Anthony (34 mi).
- Smaller places within 50 miles: 4 of them.
- Larger places within 100 miles: 7.
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.
| 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 |
| Small-loan / installment lender licensing | License 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.
Common questions
What are my options in San Elizario if my credit is poor?
What loan size can I expect in San Elizario?
Do I have to pledge anything to borrow in San Elizario?
Does comparing loans in San Elizario cost me credit score points?
Nearby places
- Clint, TX — population 1,014
- Socorro, TX — population 38,238
- Horizon City, TX — population 24,168
- El Paso, TX — population 678,958
- Sunland Park, NM — population 17,689
- Vinton, TX — population 2,813
- Anthony, TX — population 3,663
- Anthony, NM — population 8,726