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Personal loans in Presidio, TX

With roughly 3,102 residents, Presidio is a small community, and the lending rules its borrowers live under are written in Texas, not by the city. Presidio is home to roughly 3,102 people and stands 481st by size out of 1,224 Census places in Texas. A 2020-to-2023 comparison shows Presidio down by about 5.0%. Rate-shopping from Presidio costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger city is Alpine, TX about 70 miles away. For the 3,102 people in Presidio, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

Where Presidio stands

Most of what governs a Presidio loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

Borrowing reach in Presidio

With about 1,205 residents per square mile, Presidio is moderately settled, and 0 larger Census places sit within 50 miles. Distance to a branch rarely matters for Presidio's 3,102 residents: the application is online and the price follows your credit file. The nearest bigger place is Alpine, TX about 70 miles away.

Where Presidio sits

Inside Presidio's boundaries lie about 2.6 square miles of land, with no significant water area recorded. With 3,102 residents, the land area yields roughly 1,205 people per square mile. Houston, the largest place in Texas, is about 539 miles from Presidio. A 50-mile radius around Presidio takes in 0 places that are larger. The 100-mile radius contains 1 larger places.

Presidio's place among Texas's 1,224 places

Within Texas, Presidio holds roughly 0.0% of all residents, the 481st-largest share among 1,224 places. On the 2020-to-2023 trend, Presidio stands 1,195th among Texas's 1,224 places — roughly the 2th percentile. Its roughly 1,205 residents per square mile place it 398th among Texas's places. By land area, its 2.6 square miles rank 579th of 1,224 places in Texas.

Inside a Presidio personal loan

With roughly 3,102 residents, Presidio is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Presidio's 3,102 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Presidio loan is knowable in advance — unlike a revolving card balance.

The state rulebook for Presidio

This table holds the Texas rate and licensing rules for consumer loans made to Presidio's 3,102 residents.

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
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
Payday lending statusLegal 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
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 Presidio 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 Presidio is the same as anywhere in Texas.
What loan size can I expect in Presidio?
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 Presidio?
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 Presidio 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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