Personal loans in Bedias, TX

The 2020 count to the 2023 estimate shows about 9.4% growth in Bedias. By population, Bedias sits at 1,037th in Texas, with an estimated 394 residents.

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.

In Bedias, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Rate-shopping from Bedias costs nothing at pre-qualification, where a soft pull leaves your credit file alone. A single loan can carry different costs on either side of a state line, and Bedias sits on the Texas side of that line. For a bigger market, look to Madisonville, TX about 12 miles away.

Borrowing in Bedias: the local picture

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

Texas consumer-lending rules applied in Bedias

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Bedias lender must follow.

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

Before you apply in Bedias

For Bedias's roughly 394 residents, these are the steps that most influence the offer:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the lender holds a Texas licence by checking the regulator named above.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Bedias-specific: the same Texas licensing and disclosure rules reach all 394 residents.

How lenders reach Bedias

Bedias is a lightly settled community of about 394 people, with 34 larger places inside a 50-mile radius. A Texas licence lets a lender serve Bedias without a local office, so branch density does not change what its 394 residents are offered. The nearest larger city, Madisonville, TX about 12 miles away.

Land, water and location for Bedias

The Census Gazetteer records 1.1 square miles of land and 0.01 square miles of water within Bedias. Spread across it are roughly 356 residents per square mile. The state's population centre of gravity, Houston, is roughly 76 miles away. Counting outward 50 miles, 34 larger communities surround Bedias. The 100-mile radius contains 207 larger places.

Bedias's place among Texas's 1,224 places

Among Texas's 1,224 places, Bedias sits at 1,037th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Bedias ranks 246th of 1,224 in Texas (about the 80th percentile). By density, at about 356 people per square mile, it ranks 1,000th in Texas. The population moved by about 34 people between 2020 and 2023, a 9.4% shift.

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 Bedias 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 Bedias is the same as anywhere in Texas.
What loan size can I expect in Bedias?
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 Bedias?
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 Bedias 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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