Dickinson at a glance
- Population: the Census estimates 21,834 residents, ranking 142nd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 21,421 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 1.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 142nd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 88% of the Census places in Texas (US Census Bureau).
- Coordinates: 29.4517, -95.0562 (US Census Bureau Gazetteer).
- Nearest larger cities: League City, TX (4 mi); Friendswood, TX (10 mi); Texas City, TX (10 mi); Alvin, TX (10 mi); La Porte, TX (15 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Santa Fe, TX (5 mi); Kemah, TX (6 mi); Clear Lake Shores, TX (7 mi), per US Census Bureau estimates.
What a personal loan costs in Dickinson
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Dickinson
Read the table as the compliance picture for a lender serving Dickinson: 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 Dickinson
These steps are the ones that most affect the offer you receive in Dickinson:
- 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.