Gregory at a glance
- Population: 1,724 people, the 649th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,742 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 1.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 649th in population of 1,224 places (US Census Bureau).
- Size percentile: it is larger than about 47% of the places in Texas (US Census Bureau).
- Coordinates: 27.9232 latitude, -97.2909 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Portland, TX (3 mi); Ingleside, TX (6 mi); Taft, TX (7 mi); Aransas Pass, TX (11 mi); Corpus Christi, TX (14 mi) (US Census Bureau).
- Nearest smaller communities: Ingleside on the Bay, TX (8 mi); Bayside, TX (13 mi); Fulton, TX (19 mi), each a US Census place.
What a personal loan costs in Gregory
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
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 Gregory
The Texas rate caps and licensing rules that reach Gregory are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gregory
Before you commit to a personal loan in Gregory, work through these steps:
- 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.