Castroville at a glance
- Population: 3,141 (US Census Bureau, Vintage 2023 subcounty estimate), the 478th-largest of 1,224 places in Texas.
- 2020 Census base: 2,950 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 6.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 478th by size among 1,224 communities (US Census Bureau).
- Size percentile: it is larger than about 61% of the places in Texas (US Census Bureau).
- Coordinates: 29.3599 / -98.8547, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lytle, TX (9 mi); Devine, TX (15 mi); Leon Valley, TX (17 mi); Helotes, TX (18 mi); Hondo, TX (18 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: LaCoste, TX (4 mi); Natalia, TX (12 mi); Von Ormy, TX (13 mi) (US Census Bureau estimates).
What a personal loan costs in Castroville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Castroville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Payday lending status | Legal 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 |
How to compare offers in Castroville
Here is a short checklist for comparing personal loans in Castroville:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.