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Personal loans in Petronila, TX

Petronila is a small community of about 86 residents, and a personal loan taken out here is governed by Texas statute. By population, Petronila sits at 1,206th in Texas, with an estimated 86 residents. The 2020-to-2023 change in Petronila is negligible, under a tenth of a percent. Verify the lender's Texas licence against the regulator named below before borrowing in Petronila. The next larger city is Driscoll, TX about 7 miles away. Consumer lending that reaches Petronila's 86 residents is governed by Texas statute; no city ordinance changes it.

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

Compare loan offers Run the numbers first

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.

What the Census records for Petronila

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

Getting a loan in Petronila

With about 47 residents per square mile, Petronila is sparsely settled, and 30 larger Census places sit within 50 miles. Lenders licensed in Texas reach Petronila's 86 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Driscoll, TX about 7 miles away.

Where Petronila sits in Texas

Against Texas's other places, Petronila accounts for about 0.0% of the state's population and ranks 1,206th of 1,224 by size. Its 2020-to-2023 change ranks 861st of 1,224 Texas places, putting it near the 30th percentile for growth. By density, at about 47 people per square mile, it ranks 1,220th in Texas. By land area, its 1.8 square miles rank 769th of 1,224 places in Texas.

The geography behind Petronila

Inside Petronila's boundaries lie about 1.8 square miles of land, with no significant water area recorded. Spread across it are roughly 47 residents per square mile. Houston, the largest place in Texas, is about 200 miles from Petronila. Within 50 miles of Petronila there are 30 larger Census places. The 100-mile radius contains 57 larger places.

What shapes a Petronila personal loan

With roughly 86 residents, Petronila is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Petronila's rank of 1,206th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Petronila decides the split between a comfortable payment and the total interest you pay.

How Texas law applies in Petronila

For the roughly 86 residents of Petronila, 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
Compare personal loan offers Run the numbers first

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

Nearby places

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