Benavides at a glance
- Population: 1,144 (US Census Bureau, Vintage 2023 subcounty estimate), the 767th-largest of 1,224 places in Texas.
- 2020 Census base: 1,187 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 3.6% since the 2020 count (US Census Bureau).
- Rank among Texas places: 767th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 37% of the places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 27.5969, -98.4138.
- Nearest larger cities: San Diego, TX (16 mi); Freer, TX (23 mi); Alice, TX (24 mi); Premont, TX (24 mi); Falfurrias, TX (31 mi); US Census Bureau population estimates.
- Nearest smaller towns: Agua Dulce, TX (33 mi); Driscoll, TX (41 mi); Lake City, TX (47 mi) (US Census Bureau).
What a personal loan costs in Benavides
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Benavides
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Benavides
Run through this list before signing anything in Benavides:
- 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.