Personal loans in Bryan, TX
Bryan counts about 89,615 people, and what is genuinely local about borrowing here is limited — Texas law does the governing.
To lend to Bryan's 89,615 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. With an estimated 89,615 residents, Bryan is the 46th-largest of 1,224 places in Texas. Begin with the payment, then weigh APR and total interest across the lenders that reach Bryan's 89,615 residents. Population in Bryan climbed about 6.7% over the three years from 2020 to 2023. The next larger city is College Station, TX about 8 miles away.
Bryan: the sourced local profile
The figures below are Bryan's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: 89,615 people, a figure that places Bryan 46th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Up about 6.7% from the 2020 Census base to the 2023 estimate.
- Absolute change: 5,648 residents added between 2020 and 2023.
- Size percentile: Bryan sits ahead of around 96% of Texas places, at 89,615 people.
- Density: roughly 1,619 residents per square mile, spread over 55.4 sq mi of land.
- Land area: Bryan covers 55.4 square miles, the 36th-largest area among Texas's 1,224 places.
- Water: Bryan holds about 0.10 square miles, the 228th-largest water area in Texas.
- Within Texas: about 0.4% of the state's population lives in Bryan.
- National standing: Bryan ranks 381st of 19,457 US places.
- Growth rank: Bryan's 2020-to-2023 change ranks 335th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Bryan moved 6.7%.
- Density rank: Bryan places 253rd among Texas's places by people per square mile.
- Density vs Texas: Bryan's 1,619 people per square mile compare with a state median of 840.
- Location: 30.6660 / -96.3810, per the US Census Bureau Gazetteer.
- Nearest larger cities: College Station (8 mi); Conroe (58 mi); Temple (67 mi); Round Rock (77 mi); Waco (78 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Wixon Valley (8 mi); Kurten (11 mi); Snook (13 mi).
- Smaller neighbours: 42 places smaller than Bryan sit within 50 miles.
- Within 100 miles: 11 places are larger than Bryan.
Bryan's place among Texas's 1,224 places
Within Texas, Bryan holds roughly 0.4% of all residents, the 46th-largest share among 1,224 places. Its 2020-to-2023 change ranks 335th of 1,224 Texas places, putting it near the 73th percentile for growth. At about 1,619 people per square mile, Bryan is the 253rd most densely settled place in Texas. Within 50 miles sit 42 smaller Census places, alongside the 1 that are larger.
Land, water and location for Bryan
The Census Gazetteer records 55.4 square miles of land and 0.10 square miles of water within Bryan. Spread across it are roughly 1,619 residents per square mile. The largest place in Texas, Houston, lies about 85 miles away. Bryan has 1 larger places within a 50-mile radius. By land area it ranks 36th of 1,224 Texas places.
How personal loans work in Bryan
In Bryan, a mid-sized city of about 89,615, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Bryan. A longer term lowers the monthly payment on a Bryan loan but raises total interest, so the smallest payment is not the cheapest loan.
The Texas lending rules that reach Bryan
Texas has no separate rate rule for Bryan; the sourced rows below are what reach every lender that serves its 89,615 people.
| 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 |
Lender access in Bryan
Bryan is a moderately settled community of about 89,615 people, with 1 larger places inside a 50-mile radius. Lenders licensed in Texas reach Bryan's 89,615 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is College Station, TX about 8 miles away.
Common questions
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Nearby places
- Wixon Valley, TX — population 229
- College Station, TX — population 125,192
- Kurten, TX — population 401
- Snook, TX — population 548
- Hearne, TX — population 4,535
- Iola, TX — population 339
- Caldwell, TX — population 4,579
- Somerville, TX — population 1,419