Personal loans in Donna, TX

Donna is a small town of about 16,782 residents, and a personal loan taken out here is governed by Texas statute. A lender that serves Donna operates under Texas lending statutes and a Texas supervisor.

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.

Roughly 16,782 residents live in Donna, the 173rd-largest community in Texas. For a community of about 16,782, the practical step is to compare APR across at least three lenders before committing. Donna's population was effectively unchanged from the 2020 count to the 2023 estimate. Borrowers who want a bigger city can look to Weslaco, TX about 3 miles away.

Borrowing in Donna: the local picture

The figures below are Donna's own — Census population, land area and coordinates — followed by the Texas rules.

Donna against the rest of Texas

Among Texas's 1,224 places, Donna sits at 173rd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Donna stands 870th among Texas's 1,224 places — roughly the 29th percentile. By density, at about 2,024 people per square mile, it ranks 170th in Texas. By land area, its 8.3 square miles rank 259th of 1,224 places in Texas.

Inside a Donna personal loan

Most loans made to Donna's 16,782 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Donna. Shortening the term on a Donna loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for Donna

Donna covers about 8.3 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 16,782 residents, the land area yields roughly 2,024 people per square mile. For the state's biggest city, Houston, the distance is roughly 298 miles. Counting outward 50 miles, 11 larger communities surround Donna. The 100-mile radius contains 12 larger places.

A pre-application checklist for Donna

For Donna's roughly 16,782 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between Donna and the rest of Texas is not the process but the borrower's own file, among the 16,782 people here.

Texas rules behind a Donna personal loan

When Texas does not publish a figure, the row links to the source instead of inventing a number; Donna is bound by the same rules.

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
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
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 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 Donna 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 Donna is the same as anywhere in Texas.
What loan size can I expect in Donna?
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 Donna?
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 Donna 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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