Santa Clara at a glance
- Population: 803 residents, the 868th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 817 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 868th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 29% of Texas places in population terms (US Census Bureau).
- Coordinates: 29.5931 latitude, -98.1606 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Marion, TX (2 mi); Cibolo, TX (4 mi); Schertz, TX (6 mi); New Braunfels, TX (8 mi); Garden Ridge, TX (8 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: New Berlin, TX (8 mi); Kingsbury, TX (21 mi); Staples, TX (23 mi), per US Census Bureau estimates.
What a personal loan costs in Santa Clara
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Santa Clara
Read the table as the compliance picture for a lender serving Santa Clara: label, sourced figure, publisher and date.
| 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 Santa Clara
The steps below are worth completing first when you borrow in Santa Clara:
- 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.