Personal loans in Pine Island, TX

An estimated 1,181 people make their home in Pine Island, a figure that ranks 762nd in Texas. Pine Island is a small community in Texas, with an estimated 1,181 residents, and every licensed lender here follows the same state rulebook.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Pine Island added about 9.8% to its population between the 2020 base and the 2023 estimate. Compare APR, not the interest rate, because the APR folds in most fees on a Pine Island loan. For the 1,181 people in Pine Island, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger place is Prairie View, TX about 4 miles away.

What the Census records for Pine Island

Two layers matter for a Pine Island borrower: the local population picture and Texas's consumer-lending statutes.

Pine Island on the map

Inside Pine Island's boundaries lie roughly 9.3 square miles of land and 0.01 square miles of water. Spread across it are roughly 126 residents per square mile. Houston, the largest place in Texas, is about 43 miles from Pine Island. Counting outward 50 miles, 45 larger communities surround Pine Island. The 100-mile radius contains 141 larger places.

What to do before borrowing in Pine Island

Before you apply in Pine Island, a community of about 1,181, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Pine Island as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,181 residents.

Where Pine Island sits in Texas

Within Texas, Pine Island holds roughly 0.0% of all residents, the 762nd-largest share among 1,224 places. Its 2020-to-2023 change ranks 231st of 1,224 Texas places, putting it near the 81th percentile for growth. At about 126 people per square mile, Pine Island is the 1,181st most densely settled place in Texas. By land area, its 9.3 square miles rank 225th of 1,224 places in Texas.

What is available to Pine Island borrowers

With about 126 residents per square mile, Pine Island is lightly settled, and 45 larger Census places sit within 50 miles. What is available to Pine Island's 1,181 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Prairie View, TX about 4 miles away.

Which Texas laws govern a loan in Pine Island

Read the table as a lender's compliance picture for Pine Island: the rule, the sourced figure, the publisher and the date.

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
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
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
Compare personal loan offers Run the numbers first

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