Bedias at a glance
- Population: a Census-estimated 394, placing it 1,037th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 360 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 9.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,037th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 15% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: it sits at 30.7816, -95.9446 in the US Census Bureau Gazetteer.
- Nearest larger cities: Madisonville, TX (12 mi); Kurten, TX (20 mi); Normangee, TX (20 mi); Huntsville, TX (24 mi); College Station, TX (25 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Iola, TX (8 mi); Midway, TX (20 mi); Anderson, TX (21 mi) (US Census Bureau estimates).
What a personal loan costs in Bedias
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Bedias
Read the table as the compliance picture for a lender serving Bedias: label, sourced figure, publisher and 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 Bedias
Before you commit to a personal loan in Bedias, work through these steps:
- 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.