Giddings at a glance
- Population: 5,254 residents, the 366th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,982 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 5.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 366th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 70% of places in Texas are smaller (US Census Bureau).
- Coordinates: latitude 30.1837, longitude -96.9280 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Bastrop, TX (24 mi); Elgin, TX (30 mi); Brenham, TX (32 mi); Rockdale, TX (33 mi); Manor, TX (39 mi) (US Census Bureau).
- Nearest smaller communities: Carmine, TX (14 mi); Round Top, TX (16 mi); Lexington, TX (17 mi), each a US Census place.
What a personal loan costs in Giddings
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Giddings
The table carries the Texas rate and licensing rules that apply to consumer loans made in Giddings.
| 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 Giddings
The steps below are worth completing first when you borrow in Giddings:
- 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.