Eagle Pass at a glance
- Population: a Census-estimated 28,282, placing it 115th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 28,155 (US Census Bureau).
- 2020 to 2023 change: roughly 0.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 115th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 91% of places in Texas are smaller (US Census Bureau).
- Coordinates: it sits at 28.7128, -100.4848 in the US Census Bureau Gazetteer.
- Nearest larger cities: Del Rio, TX (52 mi); Laredo, TX (100 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Spofford, TX (32 mi); Crystal City, TX (40 mi); Carrizo Springs, TX (40 mi) (US Census Bureau).
What a personal loan costs in Eagle Pass
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Eagle Pass
The table carries the Texas rate and licensing rules that apply to consumer loans made in Eagle Pass.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Eagle Pass
Run through this list before signing anything in Eagle Pass:
- 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.