Huntsville at a glance
- Population: 48,552 (US Census Bureau, Vintage 2023 subcounty estimate), the 73rd-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 count put the population at 45,935 (US Census Bureau).
- 2020 to 2023 change: up about 5.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: the 73rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 94% of places in Texas are smaller (US Census Bureau).
- Coordinates: 30.7005 / -95.5549, per the US Census Bureau Gazetteer.
- Nearest larger cities: Conroe, TX (26 mi); College Station, TX (45 mi); Bryan, TX (49 mi); Houston, TX (64 mi); Baytown, TX (74 mi); each population is a US Census Bureau estimate.
- Smaller places close by: New Waverly, TX (12 mi); Riverside, TX (14 mi); Willis, TX (19 mi) (US Census Bureau).
What a personal loan costs in Huntsville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Huntsville
The table lists the Texas rules that apply to a loan made in Huntsville, each with the regulator that published it.
| 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 Huntsville
These steps are the ones that most affect the offer you receive in Huntsville:
- 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.