Seabrook at a glance
- Population: a Census-estimated 13,662, placing it 203rd among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 13,629 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 0.2% since the 2020 count (US Census Bureau).
- Rank among Texas places: the 203rd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 83% of places in Texas are smaller (US Census Bureau).
- Coordinates: 29.5947 / -94.9915, per the US Census Bureau Gazetteer.
- Nearest larger cities: La Porte, TX (6 mi); Deer Park, TX (10 mi); League City, TX (10 mi); Pasadena, TX (10 mi); Dickinson, TX (11 mi); US Census Bureau population estimates.
- Smaller towns nearby: Shoreacres, TX (2 mi); El Lago, TX (4 mi); Taylor Lake Village, TX (4 mi) (US Census Bureau).
What a personal loan costs in Seabrook
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Seabrook
The Texas rate caps and licensing rules that reach Seabrook 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 Seabrook
Before you share your details with a lender in Seabrook:
- 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.