Von Ormy at a glance
- Population: 1,194, the 757th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,176 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 757th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 38% of the places in Texas (US Census Bureau).
- Coordinates: latitude 29.2774, longitude -98.6574 (US Census Bureau Gazetteer).
- Nearest larger cities: Somerset, TX (3 mi); Lytle, TX (9 mi); LaCoste, TX (10 mi); Castroville, TX (13 mi); Natalia, TX (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: China Grove, TX (20 mi); Grey Forest, TX (23 mi); Hill Country Village, TX (23 mi) — US Census Bureau populations.
What a personal loan costs in Von Ormy
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Von Ormy
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 |
|---|---|---|
| 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 Von Ormy
Here is a short checklist for comparing personal loans in Von Ormy:
- 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.