Crystal City at a glance
- Population: 6,099 (US Census Bureau, Vintage 2023 subcounty estimate), the 334th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 6,345 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.9% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 334th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 73% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 28.6907, -99.8271.
- Nearest larger cities (120-mile radius): Uvalde, TX (36 mi); Eagle Pass, TX (40 mi); Pearsall, TX (46 mi); Hondo, TX (61 mi); Del Rio, TX (79 mi) (US Census Bureau).
- Smaller places close by: Carrizo Springs, TX (12 mi); Asherton, TX (17 mi); Big Wells, TX (18 mi) (US Census Bureau).
What a personal loan costs in Crystal City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Crystal City
The table lists the Texas rules that apply to a loan made in Crystal City, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Crystal City
The steps below are worth completing first when you borrow in Crystal City:
- 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.