San Diego at a glance
- Population: a Census-estimated 3,605, placing it 446th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,743 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 3.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 446th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 64% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 27.7609, -98.2389.
- Nearest larger cities (within 120 miles): Alice, TX (11 mi); Kingsville, TX (29 mi); Mathis, TX (34 mi); Robstown, TX (35 mi); Falfurrias, TX (38 mi) (US Census Bureau populations).
- Nearest smaller communities: Benavides, TX (16 mi); Agua Dulce, TX (20 mi); Orange Grove, TX (23 mi) (Census populations).
What a personal loan costs in San Diego
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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 San Diego
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in San Diego.
| 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 Diego
The steps below are worth completing first when you borrow in San Diego:
- 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.