Laguna Vista at a glance
- Population: 3,736 — 434th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,524 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 6.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 434th largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 65% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 26.1059, -97.2963 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Port Isabel, TX (4 mi); Los Fresnos, TX (12 mi); Brownsville, TX (12 mi); San Benito, TX (22 mi); Harlingen, TX (26 mi) (US Census Bureau populations).
- Smaller towns nearby: Bayview, TX (7 mi); South Padre Island, TX (8 mi); Indian Lake, TX (13 mi) (US Census Bureau).
What a personal loan costs in Laguna Vista
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Laguna Vista
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 |
|---|---|---|
| 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 Laguna Vista
Before you share your details with a lender in Laguna Vista:
- 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.