Bryan at a glance
- Population: 89,615 — 46th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 83,967 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 6.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 46th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 96% of Texas's Census places by population (US Census Bureau).
- Coordinates: 30.6660 latitude, -96.3810 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: College Station, TX (8 mi); Conroe, TX (58 mi); Temple, TX (67 mi); Round Rock, TX (77 mi); Waco, TX (78 mi), each a US Census place with its estimated population.
- Smaller places nearby: Wixon Valley, TX (8 mi); Kurten, TX (11 mi); Snook, TX (13 mi), per US Census Bureau estimates.
What a personal loan costs in Bryan
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Bryan
The Texas rate caps and licensing rules that reach Bryan are listed below, each with its source and retrieval date.
| 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 Bryan
The order below is a sensible way to approach a loan in Bryan:
- 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.