Port Aransas at a glance
- Population: a Census-estimated 3,446, placing it 457th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,902 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up about 18.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 457th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 63% of the places in Texas (US Census Bureau).
- Coordinates: 27.8209, -97.0892 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Aransas Pass, TX (7 mi); Corpus Christi, TX (7 mi); Ingleside, TX (8 mi); Portland, TX (16 mi); Rockport, TX (16 mi); US Census Bureau population estimates.
- Smaller places close by: Ingleside on the Bay, TX (8 mi); Gregory, TX (14 mi); Fulton, TX (18 mi) (US Census Bureau).
What a personal loan costs in Port Aransas
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Port Aransas
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Port Aransas
A few practical steps will make the process in Port Aransas 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.