Colmesneil at a glance
- Population: 546 — 955th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 538 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 1.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 955th in population of 1,224 places (US Census Bureau).
- Size percentile: larger than about 22% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 30.9097, -94.4221 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Woodville, TX (9 mi); Ivanhoe, TX (16 mi); Zavalla, TX (17 mi); Corrigan, TX (25 mi); Jasper, TX (25 mi) (US Census Bureau populations).
- Nearest smaller communities: Chester, TX (11 mi); Seven Oaks, TX (26 mi); Broaddus, TX (29 mi) (Census populations).
What a personal loan costs in Colmesneil
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Colmesneil
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Colmesneil
Run through this list before signing anything in Colmesneil:
- 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.