Jones Creek at a glance
- Population: 1,958 — 610th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,974 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 610th by size among 1,224 communities (US Census Bureau).
- Size percentile: larger than about 50% of the Census places in Texas (US Census Bureau).
- Coordinates: 28.9750, -95.4685 (US Census Bureau Gazetteer).
- Nearest larger cities: Lake Jackson, TX (5 mi); Clute, TX (6 mi); Freeport, TX (7 mi); Richwood, TX (7 mi); Brazoria, TX (8 mi), each a US Census place with its estimated population.
- Nearest smaller places: Oyster Creek, TX (9 mi); Quintana, TX (9 mi); Surfside Beach, TX (11 mi) (US Census Bureau estimates).
What a personal loan costs in Jones Creek
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 APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Jones Creek
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Jones Creek
The steps below are worth completing first when you borrow in Jones Creek:
- 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.