Nederland at a glance
- Population: roughly 18,118 people; 163rd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 18,865 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a loss of about 4.0% since the 2020 count (US Census Bureau).
- Rank among Texas places: the 163rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 87% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 29.9693, longitude -94.0017 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Port Arthur, TX (8 mi); Beaumont, TX (12 mi); Orange, TX (18 mi); Sulphur, LA (43 mi); Lake Charles, LA (50 mi) (US Census Bureau).
- Smaller towns nearby: Port Neches, TX (2 mi); Groves, TX (5 mi); Rose City, TX (10 mi) (US Census Bureau).
What a personal loan costs in Nederland
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Nederland
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Nederland
Before you share your details with a lender in Nederland:
- 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.