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Personal loans in Texas City, TX

Roughly 56,609 residents live in Texas City, the 66th-largest community in Texas. Texas City added about 9.1% to its population between the 2020 base and the 2023 estimate. In Texas City, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Texas City as from the rest of the state. Price two or three terms so you can see which payment is truly affordable in Texas City. The closest larger place is League City, TX about 14 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.

The Texas City data picture

Here is the sourced Census picture for Texas City, plus the Texas lending rules that apply to a loan taken out here.

Which Texas laws govern a loan in Texas City

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

Texas City in state context

Against Texas's other places, Texas City accounts for about 0.3% of the state's population and ranks 66th of 1,224 by size. For population change between 2020 and 2023, Texas City ranks 260th of 1,224 in Texas (about the 79th percentile). Its roughly 854 residents per square mile place it 605th among Texas's places. In land area, Texas City ranks 27th among Texas's 1,224 places.

How a Texas City personal loan is priced

A Texas City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 56,609 residents. The APR tracks your credit score rather than Texas City's rank of 66th 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 Texas City loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Texas City

Texas City is a moderately settled community of about 56,609 people, with 7 larger places inside a 50-mile radius. What is available to Texas City's 56,609 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is League City, TX about 14 miles away.

Texas City: area, density and distance

Inside Texas City's boundaries lie roughly 66.3 square miles of land and 120.31 square miles of water. That land carries about 854 people per square mile. Houston, the largest place in Texas, is about 38 miles from Texas City. Counting outward 50 miles, 7 larger communities surround Texas City. By land area it ranks 27th of 1,224 Texas places.

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

Nearby places

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