Madisonville at a glance
- Population: about 4,602, 390th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,424 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 390th by size among 1,224 communities (US Census Bureau).
- Size percentile: roughly 68% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 30.9540, -95.9093.
- Nearest larger cities (120-mile radius): Huntsville, TX (27 mi); College Station, TX (34 mi); Bryan, TX (34 mi); Crockett, TX (37 mi); Navasota, TX (41 mi) (US Census Bureau).
- Smaller places nearby: Midway, TX (10 mi); Bedias, TX (12 mi); Normangee, TX (13 mi), per US Census Bureau estimates.
What a personal loan costs in Madisonville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Madisonville
The Texas rate caps and licensing rules that reach Madisonville are listed below, each with its source and retrieval date.
| 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 Madisonville
Before you share your details with a lender in Madisonville:
- 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.