Personal loans in San Patricio, TX

A single loan can carry different costs on either side of a state line, and San Patricio sits on the Texas side of that line. About 432 people live in San Patricio, placing it 1,016th of 1,224 Census places in Texas.

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

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.

San Patricio, Texas — home to about 432 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. San Patricio gained roughly 13.7% in population across the 2020-to-2023 comparison. Pull your credit reports and line up at least three offers before you apply from San Patricio. The closest larger city is Mathis, TX about 8 miles away.

San Patricio: the sourced local profile

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

How San Patricio compares across Texas

Within Texas, San Patricio holds roughly 0.0% of all residents, the 1,016th-largest share among 1,224 places. On the 2020-to-2023 trend, San Patricio stands 154th among Texas's 1,224 places — roughly the 87th percentile. Its roughly 112 residents per square mile place it 1,192nd among Texas's places. The population moved by about 52 people between 2020 and 2023, a 13.7% shift.

San Patricio: area, density and distance

Inside San Patricio's boundaries lie roughly 3.8 square miles of land and 0.04 square miles of water. The resulting density is about 112 people per square mile. Houston, the largest place in Texas, is about 190 miles from San Patricio. Counting outward 50 miles, 29 larger communities surround San Patricio. By land area it ranks 450th of 1,224 Texas places.

What is available to San Patricio borrowers

At roughly 112 people per square mile, San Patricio is lightly settled; 29 larger places lie within 50 miles. Whether San Patricio has a local branch or not, a Texas-licensed lender can serve its 432 people online on the same terms. The nearest larger city, Mathis, TX about 8 miles away.

How personal loans work in San Patricio

With roughly 432 residents, San Patricio is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a San Patricio loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in San Patricio decides the split between a comfortable payment and the total interest you pay.

The Texas lending rules that reach San Patricio

For the roughly 432 residents of San Patricio, 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

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