Mont Belvieu at a glance
- Population: the Census estimates 9,608 residents, ranking 254th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 7,724 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 24.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 254th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 79% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: latitude 29.8500, longitude -94.8747 (US Census Bureau Gazetteer).
- Nearest larger cities: Baytown, TX (8 mi); Dayton, TX (12 mi); La Porte, TX (16 mi); Deer Park, TX (18 mi); Seabrook, TX (19 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Old River-Winfree, TX (3 mi); Cove, TX (4 mi); Beach City, TX (8 mi) (US Census Bureau estimates).
What a personal loan costs in Mont Belvieu
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Mont Belvieu
The table carries the Texas rate and licensing rules that apply to consumer loans made in Mont Belvieu.
| 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 Mont Belvieu
A few practical steps will make the process in Mont Belvieu less costly:
- 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.