Southside Place at a glance
- Population: 1,855 (US Census Bureau, Vintage 2023 subcounty estimate), the 626th-largest of 1,224 places in Texas.
- 2020 Census base: 1,836 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 1.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 626th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 49% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 29.7087, -95.4355 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: West University Place, TX (1 mi); Bellaire, TX (2 mi); Hunters Creek Village, TX (6 mi); Piney Point Village, TX (6 mi); Houston, TX (6 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Hilshire Village, TX (7 mi); Brookside Village, TX (11 mi); Thompsons, TX (20 mi) (Census populations).
What a personal loan costs in Southside Place
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Southside Place
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Southside Place.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Southside Place
Before you commit to a personal loan in Southside Place, work through these steps:
- 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.