Portland at a glance
- Population: 20,481 (US Census Bureau, Vintage 2023 subcounty estimate), the 147th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 count put the population at 20,433 (US Census Bureau).
- 2020 to 2023 change: up roughly 0.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 147th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 88% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 27.8890, -97.3316 in the US Census Bureau Gazetteer.
- Nearest larger cities: Corpus Christi, TX (13 mi); Kingsville, TX (42 mi); Victoria, TX (68 mi); Harlingen, TX (119 mi); Edinburg, TX (120 mi); US Census Bureau population estimates.
- Nearest smaller towns: Gregory, TX (3 mi); Taft, TX (7 mi); Ingleside, TX (8 mi) (US Census Bureau).
What a personal loan costs in Portland
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Portland
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Portland.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Portland
Run through this list before signing anything in Portland:
- 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.