Personal loans in Benavides, TX

In Benavides, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Roughly 1,144 residents live in Benavides, the 767th-largest community in Texas.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Population in Benavides dropped about 3.6% over the three years from 2020 to 2023. Judge Benavides offers on total cost, not on how quickly the money arrives. The closest larger place is San Diego, TX about 16 miles away. A single loan can carry different costs on either side of a state line, and Benavides sits on the Texas side of that line.

Where Benavides stands

Most of what governs a Benavides loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

What to do before borrowing in Benavides

A sensible order of operations for a loan in Benavides, home to about 1,144 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Benavides-specific: the same Texas licensing and disclosure rules reach all 1,144 residents.

Which Texas laws govern a loan in Benavides

The rows below set out what a licensed lender must follow in Texas, and so for Benavides's roughly 1,144 residents.

RuleDetailSource
State lending regulatorTexas 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
Payday lending statusLegal 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 licensingLicense 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

How lenders reach Benavides

Benavides is a moderately settled community of about 1,144 people, with 10 larger places inside a 50-mile radius. Lenders licensed in Texas reach Benavides's 1,144 residents online, so the nearest branch is not what sets your APR. The nearest larger city, San Diego, TX about 16 miles away.

Land, water and location for Benavides

Benavides covers about 1.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 646 people per square mile. The state's population centre of gravity, Houston, is roughly 238 miles away. Within 50 miles of Benavides there are 10 larger Census places. Within the same 50 miles lie 6 smaller Census places.

Where Benavides sits in Texas

Against Texas's other places, Benavides accounts for about 0.0% of the state's population and ranks 767th of 1,224 by size. On the 2020-to-2023 trend, Benavides stands 1,133rd among Texas's 1,224 places — roughly the 7th percentile. Its roughly 646 residents per square mile place it 775th among Texas's places. Within 50 miles sit 6 smaller Census places, alongside the 10 that are larger.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Benavides if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Benavides is the same as anywhere in Texas.
What loan size can I expect in Benavides?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Benavides?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Benavides cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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