San Felipe at a glance
- Population: 715 (US Census Bureau, Vintage 2023 subcounty estimate), the 900th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 Census recorded 687 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.1% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 900th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 26% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 29.7946, -96.1059 (US Census Bureau Gazetteer).
- Nearest larger cities: Sealy, TX (4 mi); Brookshire, TX (9 mi); Wallis, TX (12 mi); Bellville, TX (14 mi); Weston Lakes, TX (14 mi), each a US Census place with its estimated population.
- Nearest smaller places: South Frydek, TX (4 mi); Brazos Country, TX (5 mi); Pattison, TX (8 mi) (US Census Bureau estimates).
What a personal loan costs in San Felipe
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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 San Felipe
The Texas rate caps and licensing rules that reach San Felipe are listed below, each with its source and retrieval date.
| 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 Felipe
Before you share your details with a lender in San Felipe:
- 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.