Personal loans in Beasley, TX

From the 2020 Census base to the 2023 estimate, the population rose by about 14.0%. Two households in Beasley with comparable incomes can still be offered different rates; the city's 692 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

About 692 people live in Beasley, placing it 905th of 1,224 Census places in Texas. The closest larger city is Rosenberg, TX about 7 miles away. State law, not city hall, decides what a lender may do to Beasley's roughly 692 residents, and a state regulator supervises it. Judge Beasley offers on total cost, not on how quickly the money arrives.

Borrowing in Beasley: the local picture

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

Land, water and location for Beasley

Inside Beasley's boundaries lie about 1.1 square miles of land, with no significant water area recorded. With 692 residents, the land area yields roughly 652 people per square mile. For the state's biggest city, Houston, the distance is roughly 37 miles. Within 50 miles of Beasley there are 68 larger Census places. The 100-mile radius contains 140 larger places.

Inside a Beasley personal loan

In Beasley, a small community of about 692, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Beasley can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Beasley loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Beasley borrowers

Before you apply in Beasley, a community of about 692, work through these steps:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Beasley as elsewhere in Texas, the written terms — not the advertisement — are what count for its 692 residents.

What is available to Beasley borrowers

With about 652 residents per square mile, Beasley is moderately settled, and 68 larger Census places sit within 50 miles. What is available to Beasley's 692 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Rosenberg, TX about 7 miles away.

The state rulebook for Beasley

This table holds the Texas rate and licensing rules for consumer loans made to Beasley's 692 residents.

RuleDetailSource
State lending regulatorTexas 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
Small-loan / installment lender licensingLicense 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
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 we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Beasley if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Beasley is the same as anywhere in Texas.
What loan size can I expect in Beasley?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Beasley?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Beasley cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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