Brookshire at a glance
- Population: roughly 5,667 people; 354th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,067 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 11.8% since the 2020 count (US Census Bureau).
- Rank among Texas places: 354th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 71% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 29.7824, -95.9514 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Katy, TX (7 mi); Fulshear, TX (7 mi); Sealy, TX (13 mi); Rosenberg, TX (18 mi); Richmond, TX (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Pattison, TX (3 mi); Brazos Country, TX (6 mi); Simonton, TX (7 mi) (Census populations).
What a personal loan costs in Brookshire
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Brookshire
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 Brookshire
Before you share your details with a lender in Brookshire:
- 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.