San Patricio at a glance
- Population: 432 (US Census Bureau, Vintage 2023 subcounty estimate), the 1,016th-largest of 1,224 places in Texas.
- 2020 Census base: 380 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 13.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,016th out of 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 17% of Texas's Census places by population (US Census Bureau).
- Coordinates: 27.9843 / -97.7702, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mathis, TX (8 mi); Lake City, TX (10 mi); Orange Grove, TX (10 mi); Odem, TX (11 mi); Robstown, TX (15 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Lakeside, TX (10 mi); Petronila, TX (23 mi); Bayside, TX (35 mi), per US Census Bureau estimates.
What a personal loan costs in San Patricio
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in San Patricio
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Patricio
The steps below are worth completing first when you borrow in San Patricio:
- 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.