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Personal loans in Surfside Beach, TX

At about 692 residents, Surfside Beach is larger than roughly 26% of the places in Texas. Surfside Beach is a small community in Texas, with an estimated 692 residents, and every licensed lender here follows the same state rulebook. Judge Surfside Beach offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to Surfside Beach's roughly 692 residents, and a state regulator supervises it. Population in Surfside Beach climbed about 8.1% over the three years from 2020 to 2023. A larger market lies at Oyster Creek, TX about 4 miles away.

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.

Surfside Beach by the numbers

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

What shapes a Surfside Beach personal loan

Surfside Beach is a small community of about 692 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Surfside Beach's rank of 906th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Surfside Beach loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Surfside Beach sits in Texas

Within Texas, Surfside Beach holds roughly 0.0% of all residents, the 906th-largest share among 1,224 places. For population change between 2020 and 2023, Surfside Beach ranks 291st of 1,224 in Texas (about the 76th percentile). By density, at about 435 people per square mile, it ranks 932nd in Texas. Within 50 miles sit 6 smaller Census places, alongside the 47 that are larger.

Lender access in Surfside Beach

With about 435 residents per square mile, Surfside Beach is lightly settled, and 47 larger Census places sit within 50 miles. A Texas licence lets a lender serve Surfside Beach without a local office, so branch density does not change what its 692 residents are offered. The nearest larger city, Oyster Creek, TX about 4 miles away.

Where Surfside Beach sits

Surfside Beach's land area is about 1.6 square miles; a further 0.28 square miles is water. The resulting density is about 435 people per square mile. For the state's biggest city, Houston, the distance is roughly 58 miles. Surfside Beach has 47 larger places within a 50-mile radius. Within the same 50 miles lie 6 smaller Census places.

What Texas law requires in Surfside Beach

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Surfside Beach lender must follow.

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