Orange Grove at a glance
- Population: about 1,178 residents, ranking 763rd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,169 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 0.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 763rd out of 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 38% of the places in Texas (US Census Bureau).
- Coordinates: 27.9562 / -97.9386, per the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Mathis, TX (12 mi); Alice, TX (16 mi); Robstown, TX (20 mi); Odem, TX (21 mi); San Diego, TX (23 mi) (US Census Bureau).
- Smaller places close by: Lake City, TX (9 mi); San Patricio, TX (10 mi); Lakeside, TX (11 mi) (US Census Bureau).
What a personal loan costs in Orange Grove
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Orange Grove
The table lists the Texas rules that apply to a loan made in Orange Grove, each with the regulator that published it.
| 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 Orange Grove
A few practical steps will make the process in Orange Grove 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.