Encinal at a glance
- Population: 521 (US Census Bureau, Vintage 2023 subcounty estimate), the 968th-largest of 1,224 places in Texas.
- 2020 Census base: 542 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 3.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 968th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 21% of Texas's Census places by population (US Census Bureau).
- Coordinates: it sits at 28.0405, -99.3545 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Cotulla, TX (28 mi); Laredo, TX (34 mi); Asherton, TX (37 mi); Dilley, TX (45 mi); Carrizo Springs, TX (45 mi) (US Census Bureau populations).
- Smaller places close by: Big Wells, TX (39 mi); Christine, TX (73 mi); Lake City, TX (90 mi) (US Census Bureau).
What a personal loan costs in Encinal
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Encinal
The table lists the Texas rules that apply to a loan made in Encinal, 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 Encinal
The steps below are worth completing first when you borrow in Encinal:
- 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.