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Personal loans in Nassau Bay, TX

A personal loan in Nassau Bay is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Nassau Bay has a Census-estimated population of 5,113, ranking 372nd among the 1,224 Census places in Texas. Lenders in Texas work under state rate caps and licensing rules, each listed with its publisher in the table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Nassau Bay at a glance

  • Population: 5,113, the 372nd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 5,347 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: population fell about 4.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: 372nd out of 1,224 Census places (US Census Bureau).
  • Size percentile: roughly 70% of places in Texas rank below it by population (US Census Bureau).
  • Coordinates: 29.5448, -95.0874 (US Census Bureau Gazetteer).
  • Nearest larger cities within 120 miles: Webster, TX (2 mi); League City, TX (4 mi); Dickinson, TX (7 mi); Seabrook, TX (7 mi); Friendswood, TX (7 mi) (US Census Bureau).
  • Nearest smaller towns: Taylor Lake Village, TX (3 mi); El Lago, TX (3 mi); Clear Lake Shores, TX (3 mi) — US Census Bureau populations.

What a personal loan costs in Nassau Bay

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.

Texas lending rules that apply in Nassau Bay

Each row below is a Texas rule with its publisher and the date it was retrieved.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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 licensingLicense 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 Nassau Bay

These steps are the ones that most affect the offer you receive in Nassau Bay:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Nassau Bay?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Nassau Bay are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Nassau Bay?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Nassau Bay require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Nassau Bay hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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