Post Oak Bend at a glance
- Population: 888 residents, the 835th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 694 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 28.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 835th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 32% of Texas places in population terms (US Census Bureau).
- Coordinates: mapped at 32.6331, -96.3203 by the US Census Bureau Gazetteer.
- Nearest larger cities: Oak Ridge, TX (3 mi); Kaufman, TX (4 mi); Talty, TX (6 mi); Crandall, TX (7 mi); Terrell, TX (7 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Oak Grove, TX (7 mi); Scurry, TX (9 mi); Grays Prairie, TX (11 mi) (Census populations).
What a personal loan costs in Post Oak Bend
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Post Oak Bend
The table lists the Texas rules that apply to a loan made in Post Oak Bend, each with the regulator that published it.
| 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 Post Oak Bend
Before you share your details with a lender in Post Oak Bend:
- 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.