Texas City at a glance
- Population: roughly 56,609 people; 66th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 51,907 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 9.1% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 66th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 95% of the places in Texas (US Census Bureau).
- Coordinates: it sits at 29.4337, -94.8927 in the US Census Bureau Gazetteer.
- Nearest larger cities: League City, TX (14 mi); Pasadena, TX (22 mi); Baytown, TX (23 mi); Pearland, TX (27 mi); Houston, TX (38 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: La Marque, TX (8 mi); Bayou Vista, TX (8 mi); Tiki Island, TX (10 mi) (US Census Bureau).
What a personal loan costs in Texas City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Texas City
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Texas City
The order below is a sensible way to approach a loan in Texas City:
- 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.