Personal loans in Plantersville, TX

Personal loans in Plantersville are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 502 population. About 502 people live in Plantersville, placing it 981st of 1,224 Census places in Texas.

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.

A 2020-to-2023 comparison shows Plantersville up by about 8.4%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Plantersville's 502 residents. Verify the lender's Texas licence against the regulator named below before borrowing in Plantersville. The nearest larger city is Montgomery, TX about 11 miles away.

Plantersville by the numbers

Most of what governs a Plantersville loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

What a Plantersville borrower is actually offered

With roughly 502 residents, Plantersville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Plantersville's 502 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Plantersville loan is knowable in advance — unlike a revolving card balance.

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

Within Texas, Plantersville holds roughly 0.0% of all residents, the 981st-largest share among 1,224 places. Its 2020-to-2023 change ranks 277th of 1,224 Texas places, putting it near the 77th percentile for growth. By density, at about 254 people per square mile, it ranks 1,078th in Texas. Within 50 miles sit 12 smaller Census places, alongside the 54 that are larger.

The state rulebook for Plantersville

Read the table as a lender's compliance picture for Plantersville: 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
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

How lenders reach Plantersville

With about 254 residents per square mile, Plantersville is lightly settled, and 54 larger Census places sit within 50 miles. Whether Plantersville has a local branch or not, a Texas-licensed lender can serve its 502 people online on the same terms. For a larger market, the closest option is Montgomery, TX about 11 miles away.

The geography behind Plantersville

Plantersville's land area is about 2.0 square miles; a further 0.01 square miles is water. The resulting density is about 254 people per square mile. For the state's biggest city, Houston, the distance is roughly 47 miles. Counting outward 50 miles, 54 larger communities surround Plantersville. Within the same 50 miles lie 12 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 Plantersville 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 Plantersville is the same as anywhere in Texas.
What loan size can I expect in Plantersville?
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 Plantersville?
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 Plantersville 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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