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Personal loans in Mathis, TX

For residents of Mathis, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. The Census counts about 4,285 residents in Mathis, ranking it 409th among the 1,224 places in Texas. Texas sets the rate caps and licensing rules a lender must follow here, and the sourced table below lists them.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Mathis at a glance

  • Population: about 4,285 residents, ranking 409th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
  • 2020 Census base: the 2020 Census recorded 4,330 residents here (US Census Bureau).
  • 2020 to 2023 change: population fell about 1.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: 409th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
  • Size percentile: it is larger than about 67% of the places in Texas (US Census Bureau).
  • Coordinates: latitude 28.0909, longitude -97.8170 (US Census Bureau Gazetteer).
  • Nearest larger cities: Sinton, TX (20 mi); Beeville, TX (22 mi); Robstown, TX (22 mi); Alice, TX (28 mi); Portland, TX (33 mi); each population is a US Census Bureau estimate.
  • Nearest smaller towns: Lakeside, TX (3 mi); Lake City, TX (4 mi); San Patricio, TX (8 mi) (US Census Bureau).

What a personal loan costs in Mathis

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

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.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Texas lending rules that apply in Mathis

Read the table as the compliance picture for a lender serving Mathis: label, sourced figure, publisher and date.

RuleDetailSource
Payday lending statusLegal 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 licensingLicense 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 regulatorTexas 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 Mathis

A few practical steps will make the process in Mathis less costly:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Mathis?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Mathis are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Mathis?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Mathis require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Mathis hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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