Personal loans in Falfurrias, TX

The Census estimates 4,420 residents in Falfurrias, which ranks it 399th of 1,224 places in Texas. Falfurrias counts about 4,420 people, and what is genuinely local about borrowing here is limited — Texas law does the governing.

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.

For a community of about 4,420, the practical step is to compare APR across at least three lenders before committing. Which products a lender may offer to Falfurrias's 4,420 residents follows from the Texas consumer-lending framework. Falfurrias lost roughly 4.1% of its population across the 2020-to-2023 comparison. The nearest larger city is Kingsville, TX about 26 miles away.

Local context for Falfurrias

What follows is Falfurrias's place in the Census record, alongside the Texas rules that govern a personal loan made here.

The Falfurrias borrowing checklist

Before you apply in Falfurrias, a community of about 4,420, work through these steps:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Falfurrias as elsewhere in Texas, the written terms — not the advertisement — are what count for its 4,420 residents.

The Texas lending rules that reach Falfurrias

For the roughly 4,420 residents of Falfurrias, the rules below are Texas's own; each row carries its publisher and retrieval date.

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 lenders reach Falfurrias

At roughly 1,545 people per square mile, Falfurrias is moderately settled; 3 larger places lie within 50 miles. A Texas licence lets a lender serve Falfurrias without a local office, so branch density does not change what its 4,420 residents are offered. The nearest larger city, Kingsville, TX about 26 miles away.

What a Falfurrias borrower is actually offered

A Falfurrias personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,420 residents. Two numbers drive a Falfurrias loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Falfurrias loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Falfurrias sits in Texas

Within Texas, Falfurrias holds roughly 0.0% of all residents, the 399th-largest share among 1,224 places. On the 2020-to-2023 trend, Falfurrias stands 1,159th among Texas's 1,224 places — roughly the 5th percentile. By density, at about 1,545 people per square mile, it ranks 268th in Texas. Between 2020 and 2023 the count changed by roughly 187 residents.

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