Eagle Lake at a glance
- Population: about 3,508, 454th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,445 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.8% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 454th out of 1,224 Census places (US Census Bureau).
- Size percentile: about 63% of places in Texas are smaller (US Census Bureau).
- Coordinates: 29.5873 latitude, -96.3286 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Sealy, TX (16 mi); Columbus, TX (16 mi); Wharton, TX (23 mi); Weston Lakes, TX (24 mi); Bellville, TX (25 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Wallis, TX (16 mi); East Bernard, TX (17 mi); South Frydek, TX (18 mi) — US Census Bureau populations.
What a personal loan costs in Eagle Lake
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Eagle Lake
Read the table as the compliance picture for a lender serving Eagle Lake: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Eagle Lake
The steps below are worth completing first when you borrow in Eagle Lake:
- 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.