Santa Rosa at a glance
- Population: the Census estimates 2,372 residents, ranking 550th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 2,464 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 3.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 550th by size among 1,224 communities (US Census Bureau).
- Size percentile: larger than about 55% of the Census places in Texas (US Census Bureau).
- Coordinates: 26.2561, -97.8253 (US Census Bureau Gazetteer).
- Nearest larger cities: Primera, TX (5 mi); Combes, TX (6 mi); La Villa, TX (7 mi); La Feria, TX (7 mi); Mercedes, TX (9 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Palm Valley, TX (6 mi); Lyford, TX (11 mi); Rio Hondo, TX (15 mi), each a US Census place.
What a personal loan costs in Santa Rosa
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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 lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Santa Rosa
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Santa Rosa.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 Santa Rosa
Run through this list before signing anything in Santa Rosa:
- 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.