Personal loans in Hondo, TX
Hondo counts about 8,786 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. About 8,786 people live in Hondo, placing it 267th of 1,224 Census places in Texas.
The closest larger city is Pearsall, TX about 32 miles away. The trend for Hondo between 2020 and 2023 is upward by roughly 6.0%. Consumer lending that reaches Hondo's 8,786 residents is governed by Texas statute; no city ordinance changes it. If debt is already a strain, a nonprofit credit counsellor can help Hondo residents before they take on more.
Hondo by the numbers
Hondo is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: about 8,786, ranked 267th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 6.0% since the 2020 count.
- Absolute change: 497 residents added between 2020 and 2023.
- Size percentile: roughly 78% of Texas places rank below Hondo.
- Population density: about 874 people per square mile across 10.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Hondo ranks 210th among Texas's 1,224 places, at 10.0 sq mi.
- Water: Hondo holds about 0.03 square miles, the 375th-largest water area in Texas.
- Share of state population: Hondo's 8,786 residents are about 0.0% of Texas.
- National rank: Hondo is the 3,443rd most populous of the 19,457 Census places covered here.
- Growth in Texas: Hondo stands 377th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Hondo moved 6.0%.
- Density rank: Hondo places 593rd among Texas's places by people per square mile.
- Density in context: Hondo's 874 people per square mile sit against a Texas median of 840.
- Location: 29.3542, -99.1618 (US Census Bureau Gazetteer).
- Nearest larger cities: Pearsall (32 mi); Helotes (33 mi); Leon Valley (34 mi); Uvalde (38 mi); San Antonio (39 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Castroville (18 mi); Sabinal (19 mi); Devine (21 mi).
- Smaller places within 50 miles: 27 of them.
- At 100 miles: 24 larger Census places fall inside that radius.
The geography behind Hondo
The Census Gazetteer records 10.0 square miles of land and 0.03 square miles of water within Hondo. With 8,786 residents, the land area yields roughly 874 people per square mile. The largest place in Texas, Houston, lies about 229 miles away. Hondo has 9 larger places within a 50-mile radius. Within the same 50 miles lie 27 smaller Census places.
How lenders reach Hondo
Hondo is moderately settled, with about 874 people per square mile and 9 larger places within 50 miles. Distance to a branch rarely matters for Hondo's 8,786 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Pearsall, TX about 32 miles away.
What Texas law requires in Hondo
The rows below set out what a licensed lender must follow in Texas, and so for Hondo's roughly 8,786 residents.
| 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 |
| 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 |
What to do before borrowing in Hondo
Complete these steps first when you borrow in Hondo (8,786 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the Texas licence with the regulator named above before committing.
- Decide the purpose and how you will repay it before approaching any lender.
- 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.
What differs between Hondo and the rest of Texas is not the process but the borrower's own file, among the 8,786 people here.
Hondo's place among Texas's 1,224 places
Set beside Texas's 1,224 places, Hondo ranks 267th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 377th of 1,224 Texas places, putting it near the 69th percentile for growth. Its roughly 874 residents per square mile place it 593rd among Texas's places. Within 50 miles sit 27 smaller Census places, alongside the 9 that are larger.
Common questions
What are my options in Hondo if my credit is poor?
What loan size can I expect in Hondo?
Do I have to pledge anything to borrow in Hondo?
Does comparing loans in Hondo cost me credit score points?
Nearby places
- Castroville, TX — population 3,141
- Sabinal, TX — population 1,377
- Devine, TX — population 4,580
- Natalia, TX — population 1,336
- LaCoste, TX — population 1,206
- Bandera, TX — population 879
- Lytle, TX — population 3,178
- Pearsall, TX — population 8,946