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Personal loans in Point Venture, TX

A personal loan in Point Venture is repaid in equal monthly installments over a fixed term, with the rate set from your credit history, income and debts. Point Venture is home to about 1,257 people and ranks 742nd among the 1,224 Census places in Texas. The rate caps and licensing requirements that apply to a lender in Texas are set out in the sourced table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Point Venture at a glance

  • Population: 1,257, the 742nd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,257 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: roughly unchanged from the 2020 Census base (US Census Bureau).
  • Rank among Texas places: 742nd in population of 1,224 places (US Census Bureau).
  • Size percentile: about 39% of places in Texas are smaller (US Census Bureau).
  • Coordinates: 30.3841, -97.9982 (Census Gazetteer, US Census Bureau).
  • Nearest larger cities: Lakeway, TX (2 mi); The Hills, TX (3 mi); Briarcliff, TX (3 mi); Lago Vista, TX (5 mi); Bee Cave, TX (6 mi) — straight-line distances, US Census Bureau populations.
  • Smaller towns nearby: Volente, TX (7 mi); Bear Creek, TX (14 mi); Double Horn, TX (15 mi) (US Census Bureau).

What a personal loan costs in Point Venture

A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.

Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.

Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.

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 Point Venture

The table lists the Texas rules that apply to a loan made in Point Venture, each with the regulator that published it.

RuleDetailSource
Small-loan / installment lender licensingLicense 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 regulatorTexas 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 statusLegal 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

How to compare offers in Point Venture

Before you share your details with a lender in Point Venture:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Point Venture?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Point Venture are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Point Venture?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Point Venture require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Point Venture hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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