Personalloaned Compare rates

TX · city page

Personal loans in La Grulla, TX

For a borrower in La Grulla, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. La Grulla has a Census-estimated population of 1,209, ranking 752nd among the 1,224 Census places in Texas. Texas's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

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

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

La Grulla at a glance

  • Population: about 1,209, 752nd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
  • 2020 Census base: 1,217 people counted in the 2020 Census (US Census Bureau).
  • 2020 to 2023 change: roughly 0.7% fewer residents than at the 2020 Census (US Census Bureau).
  • Rank among Texas places: 752nd largest of 1,224 (US Census Bureau).
  • Size percentile: ahead of around 39% of Texas places in population terms (US Census Bureau).
  • Coordinates: 26.2713 latitude, -98.6486 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Sullivan City, TX (5 mi); La Joya, TX (11 mi); Penitas, TX (13 mi); Rio Grande City, TX (13 mi); Palmview, TX (17 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places nearby: Granjeno, TX (23 mi); Progreso Lakes, TX (45 mi); Los Indios, TX (59 mi), per US Census Bureau estimates.

What a personal loan costs in La Grulla

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

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 La Grulla

The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in La Grulla.

RuleDetailSource
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
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

How to compare offers in La Grulla

Before you commit to a personal loan in La Grulla, work through these steps:

  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 La Grulla?
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 La Grulla are the same as elsewhere in Texas.
How much can I borrow with a personal loan in La Grulla?
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 La Grulla 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 La Grulla 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

Related