Los Ybanez at a glance
- Population: 21 (US Census Bureau, Vintage 2023 subcounty estimate), the 1,224th-largest of 1,224 places in Texas.
- 2020 Census base: 22 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 4.5% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,224th out of 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 0% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 32.7192, -101.9175 in the US Census Bureau Gazetteer.
- Nearest larger cities: Lamesa, TX (2 mi); O'Donnell, TX (18 mi); Ackerly, TX (18 mi); Tahoka, TX (32 mi); Wellman, TX (37 mi), each a US Census place with its estimated population.
- Smaller towns nearby: none within 120 miles (US Census Bureau).
What a personal loan costs in Los Ybanez
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Los Ybanez
The table carries the Texas rate and licensing rules that apply to consumer loans made in Los Ybanez.
| 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 Los Ybanez
Here is a short checklist for comparing personal loans in Los Ybanez:
- 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.