South Frydek at a glance
- Population: a Census-estimated 217, placing it 1,146th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 209 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,146th out of 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 6% of Texas's Census places by population (US Census Bureau).
- Coordinates: 29.7352 / -96.0769, per the US Census Bureau Gazetteer.
- Nearest larger cities: Brazos Country, TX (3 mi); San Felipe, TX (4 mi); Sealy, TX (5 mi); Wallis, TX (7 mi); Simonton, TX (7 mi), each a US Census place with its estimated population.
- Nearest smaller places: Thompsons, TX (32 mi); Todd Mission, TX (39 mi); Round Top, TX (43 mi) (US Census Bureau estimates).
What a personal loan costs in South Frydek
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in South Frydek
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in South Frydek.
| 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 South Frydek
These steps are the ones that most affect the offer you receive in South Frydek:
- 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.