Fairchilds at a glance
- Population: about 1,000 residents, ranking 797th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 869 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 15.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 797th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 35% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.4366 / -95.7770, per the US Census Bureau Gazetteer.
- Nearest larger cities: Pleak, TX (3 mi); Needville, TX (5 mi); Rosenberg, TX (8 mi); Richmond, TX (10 mi); Sugar Land, TX (14 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Thompsons, TX (9 mi); Beasley, TX (9 mi); Kendleton, TX (14 mi), per US Census Bureau estimates.
What a personal loan costs in Fairchilds
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Fairchilds
The Texas rate caps and licensing rules that reach Fairchilds are listed below, each with its source and retrieval 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 Fairchilds
Here is a short checklist for comparing personal loans in Fairchilds:
- 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.