Robstown at a glance
- Population: 10,335 — 238th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,140 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 1.9% since the 2020 count (US Census Bureau).
- Rank among Texas places: 238th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 81% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 27.7940 / -97.6692, per the US Census Bureau Gazetteer.
- Nearest larger cities: Portland, TX (22 mi); Kingsville, TX (23 mi); Alice, TX (24 mi); Corpus Christi, TX (30 mi); Rockport, TX (42 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Petronila, TX (9 mi); Driscoll, TX (10 mi); Odem, TX (12 mi) — US Census Bureau populations.
What a personal loan costs in Robstown
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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 Robstown
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Robstown
Run through this list before signing anything in Robstown:
- 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.