Personal loans in La Grange, TX
Consumer lending that reaches La Grange's 4,541 residents is governed by Texas statute; no city ordinance changes it. La Grange is one of 1,224 Census places in Texas; its 4,541 residents put it at 396th.
La Grange is a small community in Texas, with an estimated 4,541 residents, and every licensed lender here follows the same state rulebook. Census figures put the 2020-to-2023 increase in La Grange at about 3.5%. Pull your credit reports and line up at least three offers before you apply from La Grange. The nearest larger metro is Giddings, TX about 19 miles away.
La Grange: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.
- Population: about 4,541, ranked 396th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Higher by roughly 3.5% since the 2020 count.
- Absolute change: 155 residents added between 2020 and 2023.
- Size percentile: about 68% of Texas's Census places are smaller than La Grange.
- Density: the Census land area of 4.1 sq mi holds about 1,098 people per square mile.
- By land area: La Grange ranks 431st among Texas's 1,224 places, at 4.1 sq mi.
- Water area rank: La Grange ranks 559th among Texas's 1,224 places, with 0.01 sq mi.
- Within Texas: about 0.0% of the state's population lives in La Grange.
- National standing: La Grange ranks 5,104th of 19,457 US places.
- Growth rank: La Grange's 2020-to-2023 change ranks 532nd of 1,224 places in Texas.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against La Grange's 3.5%.
- Density in Texas: La Grange ranks 449th by people per square mile.
- Density in context: La Grange's 1,098 people per square mile sit against a Texas median of 840.
- Location: 29.9126, -96.8763 (US Census Bureau Gazetteer).
- Nearest larger cities: Giddings (19 mi); Bastrop (30 mi); Brenham (33 mi); Elgin (43 mi); Caldwell (44 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Ellinger (11 mi); Fayetteville (12 mi); Round Top (15 mi).
- Smaller places within 50 miles: 24 of them.
- At 100 miles: 89 larger Census places fall inside that radius.
What a La Grange borrower is actually offered
In La Grange, a small community of about 4,541, 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 La Grange. A longer term lowers the monthly payment on a La Grange loan but raises total interest, so the smallest payment is not the cheapest loan.
How lenders reach La Grange
La Grange is a moderately settled community of about 4,541 people, with 11 larger places inside a 50-mile radius. A Texas licence lets a lender serve La Grange without a local office, so branch density does not change what its 4,541 residents are offered. The nearest bigger place is Giddings, TX about 19 miles away.
Where La Grange sits
La Grange covers about 4.1 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 4,541 residents, the land area yields roughly 1,098 people per square mile. Houston, the largest place in Texas, is about 90 miles from La Grange. La Grange has 11 larger places within a 50-mile radius. The 100-mile radius contains 89 larger places.
Where La Grange sits in Texas
Within Texas, La Grange holds roughly 0.0% of all residents, the 396th-largest share among 1,224 places. For population change between 2020 and 2023, La Grange ranks 532nd of 1,224 in Texas (about the 57th percentile). By density, at about 1,098 people per square mile, it ranks 449th in Texas. By land area, its 4.1 square miles rank 431st of 1,224 places in Texas.
The state rulebook for La Grange
When Texas does not publish a figure, the row links to the source instead of inventing a number; La Grange is bound by the same rules.
| 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 |
| Small-loan / installment lender licensing | License 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 |
Common questions
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Nearby places
- Ellinger, TX — population 296
- Fayetteville, TX — population 250
- Schulenburg, TX — population 2,783
- Weimar, TX — population 2,152
- Round Top, TX — population 93
- Giddings, TX — population 5,254
- Smithville, TX — population 4,126
- Carmine, TX — population 248