Jacinto City at a glance
- Population: 9,257 residents, the 258th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 9,614 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.7% below the 2020 Census base (US Census Bureau).
- Rank among Texas places: 258th out of 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 79% of Texas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 29.7664, -95.2412.
- Nearest larger cities (120-mile radius): Galena Park, TX (2 mi); South Houston, TX (7 mi); Houston, TX (9 mi); Deer Park, TX (9 mi); Pasadena, TX (9 mi) (US Census Bureau).
- Nearest smaller communities: Southside Place, TX (12 mi); Brookside Village, TX (13 mi); Hilshire Village, TX (15 mi), each a US Census place.
What a personal loan costs in Jacinto City
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Jacinto City
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Jacinto City.
| 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 Jacinto City
Here is a short checklist for comparing personal loans in Jacinto City:
- 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.