Aransas Pass at a glance
- Population: a Census-estimated 8,923, placing it 264th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 8,617 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 3.6% since the 2020 count (US Census Bureau).
- Rank among Texas places: 264th largest of 1,224 (US Census Bureau).
- Size percentile: about 78% of places in Texas are smaller (US Census Bureau).
- Coordinates: it sits at 27.9150, -97.1032 in the US Census Bureau Gazetteer.
- Nearest larger cities: Ingleside, TX (7 mi); Rockport, TX (10 mi); Corpus Christi, TX (12 mi); Portland, TX (14 mi); Robstown, TX (36 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Port Aransas, TX (7 mi); Ingleside on the Bay, TX (9 mi); Gregory, TX (11 mi) (US Census Bureau estimates).
What a personal loan costs in Aransas Pass
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Aransas Pass
The table carries the Texas rate and licensing rules that apply to consumer loans made in Aransas Pass.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 status | Legal 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 |
| Small-loan / installment lender licensing | License 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 |
How to compare offers in Aransas Pass
Here is a short checklist for comparing personal loans in Aransas Pass:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.