Personal loans in Refugio, TX

For a borrower among the roughly 2,757 residents of Refugio, a personal loan is a tool whose cost turns on the terms, not the address. About 2,757 people live in Refugio, placing it 515th of 1,224 Census places in Texas. Census figures put the 2020-to-2023 increase in Refugio at about 1.7%. If debt is already a strain, a nonprofit credit counsellor can help Refugio residents before they take on more. The nearest larger city is Rockport, TX about 23 miles away.

Where Refugio stands

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

• Population: an estimated 2,757 residents, 515th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 1.7% between 2020 and 2023.
• Net change: roughly 47 more people than the 2020 Census counted.
• Size percentile: bigger than about 58% of the places in Texas, with 2,757 residents in Refugio.
• Population density: about 1,753 people per square mile (Census land area 1.6 sq mi).
• By land area: Refugio ranks 834th among Texas's 1,224 places, at 1.6 sq mi.
• State population share: Refugio accounts for about 0.0% of everyone in Texas.
• National rank: Refugio is the 6,538th most populous of the 19,457 Census places covered here.
• Growth rank: Refugio's 2020-to-2023 change ranks 668th of 1,224 places in Texas.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Refugio's 1.7%.
• Density rank: Refugio is the 216th most densely settled place in Texas.
• Against the state median: Refugio runs about 1,753 residents per square mile, where the Texas median is 840.
• Location: it lies at 28.3074, -97.2750 in the Census Gazetteer.
• Nearest larger cities: Rockport (23 mi); Sinton (23 mi); Taft (24 mi); Aransas Pass (29 mi); Portland (29 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Woodsboro (6 mi); Bayside (15 mi); Fulton (22 mi).
• Smaller places within 50 miles: 17 of them.
• Larger places within 100 miles: 36.

Which Texas laws govern a loan in Refugio

For the roughly 2,757 residents of Refugio, the rules below are Texas's own; each row carries its publisher and retrieval date.

Borrowing reach in Refugio

At roughly 1,753 people per square mile, Refugio is moderately settled; 14 larger places lie within 50 miles. What is available to Refugio's 2,757 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Rockport, TX about 23 miles away.

Steps to take before a Refugio loan

Before you apply in Refugio, a community of about 2,757, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Refugio as elsewhere in Texas, the written terms — not the advertisement — are what count for its 2,757 residents.

Land, water and location for Refugio

Refugio covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,753 people per square mile. For the state's biggest city, Houston, the distance is roughly 153 miles. A 50-mile radius around Refugio takes in 14 places that are larger. By land area it ranks 834th of 1,224 Texas places.

How personal loans work in Refugio

Refugio is a small community of about 2,757 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Refugio lender to disclose the APR and finance charge before you sign. The term you choose in Refugio decides the split between a comfortable payment and the total interest you pay.