Conroe at a glance
- Population: 108,248 residents, the 40th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 89,995 (US Census Bureau).
- 2020 to 2023 change: an increase of about 20.3% since the 2020 count (US Census Bureau).
- Rank among Texas places: 40th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 97% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 30.3287, -95.4846 by the US Census Bureau Gazetteer.
- Nearest larger cities: Houston, TX (38 mi); Pasadena, TX (51 mi); College Station, TX (51 mi); Sugar Land, TX (52 mi); Pearland, TX (54 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Panorama Village, TX (4 mi); Willis, TX (7 mi); Cut and Shoot, TX (8 mi) (Census populations).
What a personal loan costs in Conroe
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Conroe
The table carries the Texas rate and licensing rules that apply to consumer loans made in Conroe.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Conroe
The order below is a sensible way to approach a loan in Conroe:
- 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.