Brenham at a glance
- Population: 19,142 residents, the 158th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 17,358 residents here (US Census Bureau).
- 2020 to 2023 change: about 10.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 158th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 87% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 30.1582, -96.3956 (US Census Bureau Gazetteer).
- Nearest larger cities: College Station, TX (30 mi); Bryan, TX (35 mi); Katy, TX (42 mi); Fulshear, TX (44 mi); Rosenberg, TX (54 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Burton, TX (13 mi); Industry, TX (15 mi); Somerville, TX (15 mi) (US Census Bureau).
What a personal loan costs in Brenham
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Brenham
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Brenham
The steps below are worth completing first when you borrow in Brenham:
- 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.