Personal loans in San Leanna, TX
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach San Leanna's 509 residents. Roughly 509 residents live in San Leanna, the 975th-largest community in Texas.
If you are weighing a personal loan in San Leanna, start from the payment you can carry; its 509 residents face the same statewide rules. From the 2020 Census base to the 2023 estimate, the population declined by about 2.9%. If debt is already a strain, a nonprofit credit counsellor can help San Leanna residents before they take on more. For a bigger market, look to Buda, TX about 5 miles away.
Where San Leanna stands
Two layers matter for a San Leanna borrower: the local population picture and Texas's consumer-lending statutes.
- Population: the Census counts 509 residents in San Leanna (Vintage 2023 subcounty estimate), the 975th-largest figure among Texas's 1,224 places.
- Population trend: A loss of roughly 2.9% between 2020 and 2023.
- People gained or lost: about 15 fewer since the 2020 base.
- Size percentile: San Leanna sits ahead of around 20% of Texas places, at 509 people.
- Land and density: 0.4 square miles of land carry roughly 1,146 residents per square mile.
- Land area rank: San Leanna's 0.4 square miles rank 1,167th of 1,224 places in Texas.
- Share of state population: San Leanna's 509 residents are about 0.0% of Texas.
- National rank: San Leanna is the 13,097th most populous of the 19,457 Census places covered here.
- Growth rank: San Leanna ranks 1,093rd among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against San Leanna's 2.9%.
- Density rank: San Leanna is the 423rd most densely settled place in Texas.
- Against the state median: San Leanna runs about 1,146 residents per square mile, where the Texas median is 840.
- Location: 30.1440, -97.8194 (US Census Bureau Gazetteer).
- Nearest larger cities: Buda (5 mi); Sunset Valley (6 mi); Mountain City (8 mi); Rollingwood (9 mi); Mustang Ridge (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Hays (4 mi); Creedmoor (7 mi); Bear Creek (8 mi).
- Smaller places within 50 miles: 12 of them.
- Larger places within 100 miles: 169.
How personal loans work in San Leanna
With roughly 509 residents, San Leanna is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than San Leanna's rank of 975th 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 San Leanna decides the split between a comfortable payment and the total interest you pay.
Texas consumer-lending rules applied in San Leanna
Texas has no separate rate rule for San Leanna; the sourced rows below are what reach every lender that serves its 509 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 |
What to do before borrowing in San Leanna
For San Leanna's roughly 509 residents, these are the steps that most influence the offer:
- 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.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Texas licence with the regulator listed on this page.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
What differs between San Leanna and the rest of Texas is not the process but the borrower's own file, among the 509 people here.
Getting a loan in San Leanna
San Leanna is moderately settled, with about 1,146 people per square mile and 64 larger places within 50 miles. Distance to a branch rarely matters for San Leanna's 509 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Buda, TX about 5 miles away.
The geography behind San Leanna
Inside San Leanna's boundaries lie about 0.4 square miles of land, with no significant water area recorded. With 509 residents, the land area yields roughly 1,146 people per square mile. The largest place in Texas, Houston, lies about 148 miles away. Within 50 miles of San Leanna there are 64 larger Census places. The 100-mile radius contains 169 larger places.
Common questions
What are my options in San Leanna if my credit is poor?
What loan size can I expect in San Leanna?
Do I have to pledge anything to borrow in San Leanna?
Does comparing loans in San Leanna cost me credit score points?
Nearby places
- Hays, TX — population 259
- Buda, TX — population 16,030
- Sunset Valley, TX — population 624
- Creedmoor, TX — population 425
- Bear Creek, TX — population 447
- Mountain City, TX — population 676
- Rollingwood, TX — population 1,424
- West Lake Hills, TX — population 3,181