League City at a glance
- Population: about 116,320, 33rd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 114,348 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 33rd largest of 1,224 (US Census Bureau).
- Size percentile: larger than about 97% of the Census places in Texas (US Census Bureau).
- Coordinates: 29.4901 latitude, -95.1091 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Pasadena, TX (12 mi); Pearland, TX (14 mi); Houston, TX (26 mi); College Station, TX (104 mi) (US Census Bureau).
- Smaller places nearby: Webster, TX (3 mi); Nassau Bay, TX (4 mi); Dickinson, TX (4 mi), per US Census Bureau estimates.
What a personal loan costs in League City
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in League City
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 League City
Before you share your details with a lender in League 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.