Waller at a glance
- Population: the Census estimates 3,368 residents, ranking 463rd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 2,697 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 24.9% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 463rd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 62% of Texas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 30.0724, -95.9316.
- Nearest larger cities within 120 miles: Prairie View, TX (3 mi); Hempstead, TX (9 mi); Magnolia, TX (15 mi); Tomball, TX (19 mi); Brookshire, TX (20 mi) (US Census Bureau).
- Nearest smaller towns: Pine Island, TX (6 mi); Todd Mission, TX (14 mi); Stagecoach, TX (15 mi) — US Census Bureau populations.
What a personal loan costs in Waller
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Waller
The Texas rate caps and licensing rules that reach Waller are listed below, each with its source and retrieval date.
| 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 Waller
These steps are the ones that most affect the offer you receive in Waller:
- 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.