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.

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.

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.

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.

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
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 statusLegal 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.

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

Nearby places

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