Rockport at a glance
- Population: the Census estimates 10,929 residents, ranking 230th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 10,084 (US Census Bureau).
- 2020 to 2023 change: population rose about 8.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 230th largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 81% of the places in Texas (US Census Bureau).
- Coordinates: 28.0476 latitude, -97.0500 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Portland, TX (20 mi); Corpus Christi, TX (22 mi); Port Lavaca, TX (47 mi); Beeville, TX (49 mi); Victoria, TX (54 mi) (US Census Bureau).
- Nearest smaller towns: Fulton, TX (2 mi); Aransas Pass, TX (10 mi); Bayside, TX (10 mi) — US Census Bureau populations.
What a personal loan costs in Rockport
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Rockport
The Texas rate caps and licensing rules that reach Rockport are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rockport
The steps below are worth completing first when you borrow in Rockport:
- 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.