Personal loans in Pattison, TX

Personal loans in Pattison are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 624 population. Use the calculator on this page to price an amount and term before you commit in Pattison. Pattison is one of 1,224 Census places in Texas; its 624 residents put it at 928th. A lender that serves Pattison operates under Texas lending statutes and a Texas supervisor. The 2020 count to the 2023 estimate shows about 14.1% growth in Pattison. The next larger city is Brookshire, TX about 3 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.

Pattison: population, trend and location

Set out below is Pattison's local context next to the state-level rules that reach every lender here.

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

Set beside Texas's 1,224 places, Pattison ranks 928th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 150th of 1,224 Texas places, putting it near the 88th percentile for growth. At about 177 people per square mile, Pattison is the 1,134th most densely settled place in Texas. The population moved by about 77 people between 2020 and 2023, a 14.1% shift.

Texas consumer-lending rules applied in Pattison

The rows below set out what a licensed lender must follow in Texas, and so for Pattison's roughly 624 residents.

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
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
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

The anatomy of a Pattison personal loan

A Pattison personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 624 residents. Because pricing is borrower-level, two people in Pattison can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Pattison loan is knowable in advance — unlike a revolving card balance.

Steps to take before a Pattison loan

A sensible order of operations for a loan in Pattison, home to about 624 people:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Texas; what changes is your credit file, not the fact that Pattison holds 624 people.

Land, water and location for Pattison

The Census Gazetteer records about 3.5 square miles of land within Pattison, with no significant water area listed. With 624 residents, the land area yields roughly 177 people per square mile. The largest place in Texas, Houston, lies about 35 miles away. Within 50 miles of Pattison there are 59 larger Census places. Within the same 50 miles lie 18 smaller Census places.

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