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Personal loans in Hondo, TX

For residents of Hondo, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Hondo is home to about 8,786 people and ranks 267th among the 1,224 Census places in Texas. The table below carries the Texas rate caps and licensing rules that apply to a personal loan taken out here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Hondo at a glance

  • Population: 8,786 people, the 267th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 8,289 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: up about 6.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Texas places: 267th largest of 1,224 (US Census Bureau).
  • Size percentile: it is larger than about 78% of the places in Texas (US Census Bureau).
  • Coordinates: latitude 29.3542, longitude -99.1618 (US Census Bureau Gazetteer).
  • Nearest larger cities: Pearsall, TX (32 mi); Helotes, TX (33 mi); Leon Valley, TX (34 mi); Uvalde, TX (38 mi); San Antonio, TX (39 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Castroville, TX (18 mi); Sabinal, TX (19 mi); Devine, TX (21 mi) (US Census Bureau).

What a personal loan costs in Hondo

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

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.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

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 Hondo

Each row below is a Texas rule with its publisher and the date it was retrieved.

RuleDetailSource
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 statusLegal 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 licensingLicense 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 regulatorTexas 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 Hondo

Before you share your details with a lender in Hondo:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Hondo?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Hondo are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Hondo?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Hondo require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Hondo hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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