La Porte at a glance
- Population: about 36,991, 97th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 35,124 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 5.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 97th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 92% of Texas places in population terms (US Census Bureau).
- Coordinates: 29.6674, -95.0491 (US Census Bureau Gazetteer).
- Nearest larger cities: Pasadena, TX (6 mi); Baytown, TX (8 mi); League City, TX (13 mi); Friendswood, TX (14 mi); Pearland, TX (18 mi); US Census Bureau population estimates.
- Smaller places close by: Morgan's Point, TX (3 mi); Shoreacres, TX (4 mi); Deer Park, TX (4 mi) (US Census Bureau).
What a personal loan costs in La Porte
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 La Porte
The table lists the Texas rules that apply to a loan made in La Porte, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in La Porte
Here is a short checklist for comparing personal loans in La Porte:
- 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.