Oyster Creek at a glance
- Population: 1,210 people, the 751st-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,173 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 3.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 751st by size among 1,224 communities (US Census Bureau).
- Size percentile: it is larger than about 39% of the places in Texas (US Census Bureau).
- Coordinates: latitude 28.9981, longitude -95.3293 (US Census Bureau Gazetteer).
- Nearest larger cities: Freeport, TX (4 mi); Clute, TX (5 mi); Richwood, TX (6 mi); Lake Jackson, TX (8 mi); Jones Creek, TX (9 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Surfside Beach, TX (4 mi); Quintana, TX (6 mi); Bailey's Prairie, TX (15 mi) (Census populations).
What a personal loan costs in Oyster Creek
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Oyster Creek
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Oyster Creek.
| 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 Oyster Creek
Here is a short checklist for comparing personal loans in Oyster Creek:
- 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.