LaCoste at a glance
- Population: the Census estimates 1,206 residents, ranking 753rd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,079 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 11.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 753rd by size among 1,224 communities (US Census Bureau).
- Size percentile: it is larger than about 38% of the places in Texas (US Census Bureau).
- Coordinates: mapped at 29.3100, -98.8111 by the US Census Bureau Gazetteer.
- Nearest larger cities: Castroville, TX (4 mi); Lytle, TX (5 mi); Natalia, TX (9 mi); Somerset, TX (11 mi); Devine, TX (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Von Ormy, TX (10 mi); Grey Forest, TX (22 mi); Hill Country Village, TX (27 mi) (US Census Bureau).
What a personal loan costs in LaCoste
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 LaCoste
The Texas rate caps and licensing rules that reach LaCoste are listed below, each with its source and retrieval date.
| 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 LaCoste
Before you commit to a personal loan in LaCoste, work through these steps:
- 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.