Splendora at a glance
- Population: 1,958 — 611th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,682 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 16.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 611th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 50% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 30.2284, -95.1624 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Roman Forest, TX (3 mi); Cleveland, TX (9 mi); Oak Ridge North, TX (17 mi); Humble, TX (18 mi); Shenandoah, TX (18 mi) (US Census Bureau populations).
- Smaller places nearby: Patton Village, TX (2 mi); Woodbranch, TX (3 mi); Plum Grove, TX (4 mi), per US Census Bureau estimates.
What a personal loan costs in Splendora
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.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Splendora
The table lists the Texas rules that apply to a loan made in Splendora, each with the regulator that published it.
| 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 Splendora
These steps are the ones that most affect the offer you receive in Splendora:
- 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.