La Joya at a glance
- Population: 4,863 residents, the 381st-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,440 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 9.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 381st-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 69% of the places in Texas (US Census Bureau).
- Coordinates: latitude 26.2579, longitude -98.4764 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Penitas, TX (2 mi); Palmview, TX (6 mi); Mission, TX (10 mi); Alton, TX (10 mi); McAllen, TX (14 mi) (US Census Bureau).
- Smaller towns nearby: Sullivan City, TX (6 mi); La Grulla, TX (11 mi); Palmhurst, TX (11 mi) (US Census Bureau).
What a personal loan costs in La Joya
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in La Joya
The table lists the Texas rules that apply to a loan made in La Joya, 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 La Joya
These steps are the ones that most affect the offer you receive in La Joya:
- 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.