Pleasanton at a glance
- Population: 11,195 (US Census Bureau, Vintage 2023 subcounty estimate), the 227th-largest of 1,224 places in Texas.
- 2020 Census base: 10,647 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 5.1% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 227th largest of 1,224 (US Census Bureau).
- Size percentile: it exceeds roughly 81% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 28.9642, -98.4957 by the US Census Bureau Gazetteer.
- Nearest larger cities: San Antonio, TX (34 mi); Leon Valley, TX (37 mi); Converse, TX (40 mi); Live Oak, TX (42 mi); Universal City, TX (42 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Jourdanton, TX (4 mi); Poteet, TX (7 mi); Christine, TX (12 mi) (US Census Bureau).
What a personal loan costs in Pleasanton
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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 term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Pleasanton
Read the table as the compliance picture for a lender serving Pleasanton: label, sourced figure, publisher and date.
| 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 Pleasanton
Before you commit to a personal loan in Pleasanton, 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.