Beach City at a glance
- Population: 3,366 residents, the 464th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,220 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 4.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 464th largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 62% of Texas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 29.7389, -94.8465.
- Nearest larger cities within 120 miles: Baytown, TX (7 mi); Mont Belvieu, TX (8 mi); La Porte, TX (13 mi); Seabrook, TX (13 mi); Deer Park, TX (17 mi) (US Census Bureau).
- Nearest smaller communities: Cove, TX (6 mi); Old River-Winfree, TX (9 mi); Morgan's Point, TX (10 mi), each a US Census place.
What a personal loan costs in Beach City
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Beach City
The table lists the Texas rules that apply to a loan made in Beach City, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal 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 licensing | License 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 |
| State lending regulator | Texas 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 |
| 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 |
How to compare offers in Beach City
Before you share your details with a lender in Beach City:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.