Personal loans in Jourdanton, TX

Lenders active in Jourdanton report to a Texas supervisor, identified in the sourced rows below. The Census counts 4,304 people in Jourdanton, the 406th-largest figure among Texas's 1,224 places. In Jourdanton, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. The trend for Jourdanton between 2020 and 2023 is upward by roughly 5.5%. Compare APR, not the interest rate, because the APR folds in most fees on a Jourdanton loan. The nearest larger metro is Pleasanton, TX about 4 miles away.

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.

The Jourdanton data picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

The geography behind Jourdanton

Jourdanton's land area is roughly 3.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,183 people per square mile. The largest place in Texas, Houston, lies about 199 miles away. Within 50 miles of Jourdanton there are 19 larger Census places. By land area it ranks 472nd of 1,224 Texas places.

Which Texas laws govern a loan in Jourdanton

These are Texas's sourced lending facts as they reach Jourdanton's 4,304 residents; the state has no city-level rate rule.

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

How a Jourdanton personal loan is priced

Jourdanton is a small community of about 4,304 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Jourdanton lender to disclose the APR and finance charge before you sign. Shortening the term on a Jourdanton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Borrowing reach in Jourdanton

At roughly 1,183 people per square mile, Jourdanton is moderately settled; 19 larger places lie within 50 miles. What is available to Jourdanton's 4,304 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Pleasanton, TX about 4 miles away.

How Jourdanton compares across Texas

Among Texas's 1,224 places, Jourdanton sits at 406th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Jourdanton stands 405th among Texas's 1,224 places — roughly the 67th percentile. At about 1,183 people per square mile, Jourdanton is the 407th most densely settled place in Texas. The population moved by about 226 people between 2020 and 2023, a 5.5% 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 Jourdanton 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 Jourdanton is the same as anywhere in Texas.
What loan size can I expect in Jourdanton?
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 Jourdanton?
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 Jourdanton 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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