La Vernia at a glance
- Population: 1,405 (US Census Bureau, Vintage 2023 subcounty estimate), the 706th-largest of 1,224 places in Texas.
- 2020 Census base: 1,079 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 30.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 706th largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 42% of the places in Texas (US Census Bureau).
- Coordinates: 29.3531, -98.1258 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: St. Hedwig, TX (7 mi); Stockdale, TX (13 mi); Elmendorf, TX (14 mi); Floresville, TX (14 mi); Converse, TX (15 mi) (US Census Bureau).
- Nearest smaller communities: New Berlin, TX (9 mi); China Grove, TX (14 mi); Marion, TX (15 mi), each a US Census place.
What a personal loan costs in La Vernia
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
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 Vernia
The Texas rate caps and licensing rules that reach La Vernia are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in La Vernia
A few practical steps will make the process in La Vernia less costly:
- 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.