Personal loans in Progreso Lakes, TX

For a borrower among the roughly 270 residents of Progreso Lakes, a personal loan is a tool whose cost turns on the terms, not the address. Progreso Lakes added about 5.9% to its population between the 2020 base and the 2023 estimate.

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.

Progreso Lakes is one of 1,224 Census places in Texas; its 270 residents put it at 1,111th. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Progreso Lakes loan. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Progreso Lakes as from the rest of the state. The closest larger city is Progreso, TX about 2 miles away.

Progreso Lakes: population, trend and location

Here is the sourced Census picture for Progreso Lakes, plus the Texas lending rules that apply to a loan taken out here.

The Texas lending rules that reach Progreso Lakes

This table holds the Texas rate and licensing rules for consumer loans made to Progreso Lakes's 270 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
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 Progreso Lakes compares across Texas

Against Texas's other places, Progreso Lakes accounts for about 0.0% of the state's population and ranks 1,111th of 1,224 by size. On the 2020-to-2023 trend, Progreso Lakes stands 385th among Texas's 1,224 places — roughly the 69th percentile. At about 129 people per square mile, Progreso Lakes is the 1,176th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 15 residents.

What shapes a Progreso Lakes personal loan

A Progreso Lakes personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 270 residents. Two numbers drive a Progreso Lakes loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Progreso Lakes loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Lender access in Progreso Lakes

With about 129 residents per square mile, Progreso Lakes is lightly settled, and 42 larger Census places sit within 50 miles. Distance to a branch rarely matters for Progreso Lakes's 270 residents: the application is online and the price follows your credit file. The nearest larger city, Progreso, TX about 2 miles away.

Land, water and location for Progreso Lakes

Progreso Lakes covers about 2.1 square miles of land, with 0.09 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 129 people per square mile. The largest place in Texas, Houston, lies about 301 miles away. Counting outward 50 miles, 42 larger communities surround Progreso Lakes. Within the same 50 miles lie 0 smaller Census places.

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