San Perlita at a glance
- Population: about 540 residents, ranking 958th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 536 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 0.7% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 958th out of 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 22% of Texas places in population terms (US Census Bureau).
- Coordinates: mapped at 26.5010, -97.6396 by the US Census Bureau Gazetteer.
- Nearest larger cities: Raymondville, TX (9 mi); Lyford, TX (11 mi); Combes, TX (18 mi); Rio Hondo, TX (19 mi); Primera, TX (20 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Bayview, TX (29 mi); Progreso Lakes, TX (36 mi); Granjeno, TX (48 mi) (US Census Bureau).
What a personal loan costs in San Perlita
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in San Perlita
The Texas rate caps and licensing rules that reach San Perlita 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 San Perlita
The steps below are worth completing first when you borrow in San Perlita:
- 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.