Carrizo Springs at a glance
- Population: 4,628 (US Census Bureau, Vintage 2023 subcounty estimate), the 388th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 4,884 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 5.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 388th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 68% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 28.5258, -99.8593.
- Nearest larger cities: Crystal City, TX (12 mi); Eagle Pass, TX (40 mi); Uvalde, TX (48 mi); Pearsall, TX (53 mi); Laredo, TX (70 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Asherton, TX (8 mi); Big Wells, TX (18 mi); Cotulla, TX (38 mi), per US Census Bureau estimates.
What a personal loan costs in Carrizo Springs
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Carrizo Springs
Read the table as the compliance picture for a lender serving Carrizo Springs: label, sourced figure, publisher and date.
| 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 Carrizo Springs
A few practical steps will make the process in Carrizo Springs less costly:
- 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.