Dilley at a glance
- Population: the Census estimates 3,333 residents, ranking 467th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,272 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 1.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 467th by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 62% of Texas's Census places by population (US Census Bureau).
- Coordinates: 28.6675, -99.1765 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Pearsall, TX (16 mi); Cotulla, TX (16 mi); Devine, TX (37 mi); Crystal City, TX (39 mi); Jourdanton, TX (42 mi) (US Census Bureau).
- Nearest smaller places: Big Wells, TX (25 mi); Charlotte, TX (32 mi); Asherton, TX (39 mi) (US Census Bureau estimates).
What a personal loan costs in Dilley
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Dilley
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 to compare offers in Dilley
Before you commit to a personal loan in Dilley, work through these steps:
- 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.