San Angelo at a glance
- Population: the Census estimates 99,262 residents, ranking 43rd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 99,908 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 0.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: the 43rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 96% of Texas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 31.4411, -100.4505.
- Nearest larger cities within 120 miles: Abilene, TX (82 mi); Midland, TX (106 mi); Odessa, TX (115 mi) (US Census Bureau).
- Nearest smaller places: Miles, TX (19 mi); Mertzon, TX (25 mi); Paint Rock, TX (31 mi) (US Census Bureau estimates).
What a personal loan costs in San Angelo
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in San Angelo
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 San Angelo
Here is a short checklist for comparing personal loans in San Angelo:
- 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.