La Grange at a glance
- Population: roughly 4,541 people; 396th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,386 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 3.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 396th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 68% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.9126, -96.8763 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Giddings, TX (19 mi); Bastrop, TX (30 mi); Brenham, TX (33 mi); Elgin, TX (43 mi); Caldwell, TX (44 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Ellinger, TX (11 mi); Fayetteville, TX (12 mi); Round Top, TX (15 mi) (US Census Bureau).
What a personal loan costs in La Grange
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in La Grange
Read the table as the compliance picture for a lender serving La Grange: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in La Grange
Here is a short checklist for comparing personal loans in La Grange:
- 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.