San Benito at a glance
- Population: about 24,493 residents, ranking 131st of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 24,849 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 1.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 131st-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 89% of the places in Texas (US Census Bureau).
- Coordinates: it sits at 26.1294, -97.6440 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Harlingen, TX (5 mi); Brownsville, TX (15 mi); Weslaco, TX (21 mi); San Juan, TX (32 mi); Edinburg, TX (34 mi) (US Census Bureau).
- Smaller towns nearby: Los Indios, TX (8 mi); Rio Hondo, TX (8 mi); Rancho Viejo, TX (8 mi) (US Census Bureau).
What a personal loan costs in San Benito
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in San Benito
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in San Benito.
| 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 San Benito
The steps below are worth completing first when you borrow in San Benito:
- 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.