Pine Island at a glance
- Population: 1,181 residents, the 762nd-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,076 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 9.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 762nd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 38% of Texas's Census places by population (US Census Bureau).
- Coordinates: it sits at 30.0538, -96.0284 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Prairie View, TX (4 mi); Hempstead, TX (4 mi); Waller, TX (6 mi); Bellville, TX (16 mi); Brookshire, TX (19 mi) (US Census Bureau).
- Smaller towns nearby: Pattison, TX (17 mi); San Felipe, TX (19 mi); Todd Mission, TX (19 mi) (US Census Bureau).
What a personal loan costs in Pine Island
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Pine Island
The table lists the Texas rules that apply to a loan made in Pine Island, each with the regulator that published it.
| 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 Pine Island
Before you commit to a personal loan in Pine Island, work through these steps:
- 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.