Missouri City at a glance
- Population: about 76,773 residents, ranking 55th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 74,251 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 3.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 55th in population of 1,224 places (US Census Bureau).
- Size percentile: about 96% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 29.5629, -95.5360 (US Census Bureau Gazetteer).
- Nearest larger cities: Sugar Land, TX (6 mi); Pearland, TX (13 mi); Houston, TX (18 mi); Pasadena, TX (24 mi); League City, TX (26 mi), each a US Census place with its estimated population.
- Smaller places nearby: Stafford, TX (5 mi); Arcola, TX (6 mi); Meadows Place, TX (7 mi), per US Census Bureau estimates.
What a personal loan costs in Missouri City
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Missouri City
The table lists the Texas rules that apply to a loan made in Missouri City, 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 Missouri City
The steps below are worth completing first when you borrow in Missouri 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.