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Personal loans in Rice, TX

In Rice, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. At about 1,227 residents, Rice is the 746th-largest of the 1,224 Census places in Texas. The sourced table below shows the Texas rate caps and licensing requirements that reach every loan made here.

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

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Rice at a glance

  • Population: 1,227 (US Census Bureau, Vintage 2023 subcounty estimate), the 746th-largest of 1,224 places in Texas.
  • 2020 Census base: the 2020 Census recorded 1,198 residents here (US Census Bureau).
  • 2020 to 2023 change: up about 2.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
  • Rank among Texas places: 746th 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: the Census Gazetteer places it at 32.2393, -96.4974.
  • Nearest larger cities (within 120 miles): Ennis, TX (10 mi); Corsicana, TX (11 mi); Palmer, TX (16 mi); Seven Points, TX (17 mi); Kerens, TX (18 mi) (US Census Bureau populations).
  • Smaller towns nearby: Alma, TX (4 mi); Emhouse, TX (7 mi); Bardwell, TX (12 mi) (US Census Bureau).

What a personal loan costs in Rice

With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.

APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.

Texas lending rules that apply in Rice

The Texas rate caps and licensing rules that reach Rice are listed below, each with its source and retrieval date.

RuleDetailSource
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
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

How to compare offers in Rice

Run through this list before signing anything in Rice:

  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 Rice?
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 Rice are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Rice?
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 Rice 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 Rice 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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