Lake Jackson at a glance
- Population: roughly 27,768 people; 117th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 28,181 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.5% since the 2020 count (US Census Bureau).
- Rank among Texas places: the 117th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: larger than about 90% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 29.0509, -95.4512 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Alvin, TX (29 mi); Galveston, TX (31 mi); Friendswood, TX (35 mi); Pearland, TX (36 mi); Missouri City, TX (36 mi) (US Census Bureau).
- Smaller places nearby: Richwood, TX (3 mi); Clute, TX (4 mi); Jones Creek, TX (5 mi), per US Census Bureau estimates.
What a personal loan costs in Lake Jackson
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Lake Jackson
The table carries the Texas rate and licensing rules that apply to consumer loans made in Lake Jackson.
| 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 Lake Jackson
The order below is a sensible way to approach a loan in Lake Jackson:
- 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.