Bellville at a glance
- Population: roughly 4,217 people; 413th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,210 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 0.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 413th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 66% of Texas's Census places by population (US Census Bureau).
- Coordinates: 29.9466 / -96.2588, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Sealy, TX (14 mi); Hempstead, TX (15 mi); Brenham, TX (17 mi); Prairie View, TX (19 mi); Brookshire, TX (22 mi) (US Census Bureau).
- Nearest smaller towns: San Felipe, TX (14 mi); Industry, TX (14 mi); Pine Island, TX (16 mi) — US Census Bureau populations.
What a personal loan costs in Bellville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Bellville
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bellville
Before you commit to a personal loan in Bellville, work through these steps:
- 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.