Cotulla at a glance
- Population: a Census-estimated 3,612, placing it 444th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 3,726 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 3.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 444th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 64% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 28.4364, longitude -99.2367 (US Census Bureau Gazetteer).
- Nearest larger cities: Pearsall, TX (33 mi); Carrizo Springs, TX (38 mi); Crystal City, TX (40 mi); Devine, TX (53 mi); Jourdanton, TX (54 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Dilley, TX (16 mi); Big Wells, TX (22 mi); Encinal, TX (28 mi), each a US Census place.
What a personal loan costs in Cotulla
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Cotulla
Read the table as the compliance picture for a lender serving Cotulla: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cotulla
Here is a short checklist for comparing personal loans in Cotulla:
- 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.