Falfurrias at a glance
- Population: the Census estimates 4,420 residents, ranking 399th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 4,607 (US Census Bureau).
- 2020 to 2023 change: roughly 4.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: the 399th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 67% of Texas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 27.2244, -98.1452.
- Nearest larger cities (120-mile radius): Kingsville, TX (26 mi); Alice, TX (37 mi); Robstown, TX (49 mi); Raymondville, TX (56 mi); Edinburg, TX (63 mi) (US Census Bureau).
- Nearest smaller communities: Premont, TX (9 mi); Benavides, TX (31 mi); Bishop, TX (33 mi), each a US Census place.
What a personal loan costs in Falfurrias
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would 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.
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 Falfurrias
The table lists the Texas rules that apply to a loan made in Falfurrias, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Falfurrias
Before you commit to a personal loan in Falfurrias, 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.