Brownsboro at a glance
- Population: the Census estimates 1,292 residents, ranking 733rd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,211 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 6.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 733rd largest of 1,224 (US Census Bureau).
- Size percentile: about 40% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 32.2984, -95.6130 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Chandler, TX (8 mi); Athens, TX (14 mi); Van, TX (16 mi); Hideaway, TX (16 mi); Tyler, TX (18 mi) (US Census Bureau).
- Nearest smaller places: Edom, TX (5 mi); Moore Station, TX (8 mi); Murchison, TX (9 mi) (US Census Bureau estimates).
What a personal loan costs in Brownsboro
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Brownsboro
The table carries the Texas rate and licensing rules that apply to consumer loans made in Brownsboro.
| 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 Brownsboro
The order below is a sensible way to approach a loan in Brownsboro:
- 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.