Presidio at a glance
- Population: a Census-estimated 3,102, placing it 481st among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,264 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a decline of roughly 5.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 481st of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 61% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 29.5603, -104.3653 in the US Census Bureau Gazetteer.
- Nearest larger cities: Alpine, TX (70 mi); US Census Bureau population estimates.
- Smaller places close by: Marfa, TX (56 mi); Valentine, TX (71 mi); Balmorhea, TX (105 mi) (US Census Bureau).
What a personal loan costs in Presidio
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Presidio
The table lists the Texas rules that apply to a loan made in Presidio, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Presidio
The steps below are worth completing first when you borrow in Presidio:
- 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.