Personal loans in San Patricio, TX
A single loan can carry different costs on either side of a state line, and San Patricio sits on the Texas side of that line. About 432 people live in San Patricio, placing it 1,016th of 1,224 Census places in Texas.
San Patricio, Texas — home to about 432 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. San Patricio gained roughly 13.7% in population across the 2020-to-2023 comparison. Pull your credit reports and line up at least three offers before you apply from San Patricio. The closest larger city is Mathis, TX about 8 miles away.
San Patricio: the sourced local profile
Most of what governs a San Patricio loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: 432 people, a figure that places San Patricio 1,016th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 13.7% since the 2020 count.
- People gained or lost: about 52 more since the 2020 base.
- Size percentile: bigger than about 17% of the places in Texas, with 432 residents in San Patricio.
- Population density: 112 people per square mile on 3.8 square miles of land.
- By land area: San Patricio ranks 450th among Texas's 1,224 places, at 3.8 sq mi.
- Water area: San Patricio has 0.04 square miles of water, ranking 336th of 1,224 places in Texas.
- State population share: San Patricio accounts for about 0.0% of everyone in Texas.
- National rank: San Patricio sits 13,763rd by population among the 19,457 places in this dataset.
- Growth in Texas: San Patricio stands 154th by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: San Patricio's 13.7% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: San Patricio is the 1,192nd most densely settled place in Texas.
- Density vs Texas: San Patricio's 112 people per square mile compare with a state median of 840.
- Location: it lies at 27.9843, -97.7702 in the Census Gazetteer.
- Nearest larger cities: Mathis (8 mi); Lake City (10 mi); Orange Grove (10 mi); Odem (11 mi); Robstown (15 mi). Larger metros often have more branches, but online lenders reach San Patricio on the same terms.
- Nearest smaller places: Lakeside (10 mi); Petronila (23 mi); Bayside (35 mi).
- Smaller places within 50 miles: 3 of them.
- Within 100 miles: 59 places are larger than San Patricio.
How San Patricio compares across Texas
Within Texas, San Patricio holds roughly 0.0% of all residents, the 1,016th-largest share among 1,224 places. On the 2020-to-2023 trend, San Patricio stands 154th among Texas's 1,224 places — roughly the 87th percentile. Its roughly 112 residents per square mile place it 1,192nd among Texas's places. The population moved by about 52 people between 2020 and 2023, a 13.7% shift.
San Patricio: area, density and distance
Inside San Patricio's boundaries lie roughly 3.8 square miles of land and 0.04 square miles of water. The resulting density is about 112 people per square mile. Houston, the largest place in Texas, is about 190 miles from San Patricio. Counting outward 50 miles, 29 larger communities surround San Patricio. By land area it ranks 450th of 1,224 Texas places.
What is available to San Patricio borrowers
At roughly 112 people per square mile, San Patricio is lightly settled; 29 larger places lie within 50 miles. Whether San Patricio has a local branch or not, a Texas-licensed lender can serve its 432 people online on the same terms. The nearest larger city, Mathis, TX about 8 miles away.
How personal loans work in San Patricio
With roughly 432 residents, San Patricio is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a San Patricio loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in San Patricio decides the split between a comfortable payment and the total interest you pay.
The Texas lending rules that reach San Patricio
For the roughly 432 residents of San Patricio, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
Common questions
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Nearby places
- Mathis, TX — population 4,285
- Lakeside, TX — population 354
- Lake City, TX — population 484
- Orange Grove, TX — population 1,178
- Odem, TX — population 2,302
- Robstown, TX — population 10,335
- Agua Dulce, TX — population 675
- Sinton, TX — population 5,551