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.
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.
- Population: an estimated 4,420 residents, 399th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 4.1% from the 2020 Census base to the 2023 estimate.
- Net change: roughly 187 fewer people than the 2020 Census counted.
- Size percentile: roughly 67% of Texas's places have fewer residents than Falfurrias's 4,420.
- Population density: about 1,545 people per square mile across 2.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Falfurrias's 2.9 square miles rank 540th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Falfurrias.
- National rank: Falfurrias is the 5,192nd most populous of the 19,457 Census places covered here.
- Growth rank: Falfurrias ranks 1,159th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Falfurrias moved 4.1%.
- Density rank: Falfurrias places 268th among Texas's places by people per square mile.
- Against the state median: Falfurrias runs about 1,545 residents per square mile, where the Texas median is 840.
- Location: 27.2244, -98.1452 (Census Gazetteer coordinates).
- Nearest larger cities: Kingsville (26 mi); Alice (37 mi); Robstown (49 mi); Raymondville (56 mi); Edinburg (63 mi). Online lenders reach Falfurrias no matter how far the nearest branch is.
- Smaller places nearby: Premont (9 mi); Benavides (31 mi); Bishop (33 mi).
- Smaller neighbours: 7 places smaller than Falfurrias sit within 50 miles.
- Larger places within 100 miles: 37.
The Falfurrias borrowing checklist
Before you apply in Falfurrias, a community of about 4,420, work through these steps:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Texas licence with the regulator listed on this page.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- 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.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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.
Common questions
What are my options in Falfurrias if my credit is poor?
What loan size can I expect in Falfurrias?
Do I have to pledge anything to borrow in Falfurrias?
Does comparing loans in Falfurrias cost me credit score points?
Nearby places
- Premont, TX — population 2,401
- Kingsville, TX — population 24,586
- Benavides, TX — population 1,144
- Bishop, TX — population 3,082
- Alice, TX — population 17,579
- San Diego, TX — population 3,605
- Driscoll, TX — population 661
- Agua Dulce, TX — population 675