Palacios at a glance
- Population: a Census-estimated 4,374, placing it 402nd among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 4,399 residents here (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 0.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 402nd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 67% of Texas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 28.7131, -96.2279.
- Nearest larger cities: Bay City, TX (25 mi); Port Lavaca, TX (25 mi); Edna, TX (31 mi); El Campo, TX (34 mi); Wharton, TX (42 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: La Ward, TX (17 mi); Point Comfort, TX (20 mi); Ganado, TX (28 mi) — US Census Bureau populations.
What a personal loan costs in Palacios
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Palacios
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Palacios
The order below is a sensible way to approach a loan in Palacios:
- 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.