El Campo at a glance
- Population: 12,062, the 218th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 12,353 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: down about 2.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 218th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 82% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.2007, -96.2723 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Bay City, TX (24 mi); Rosenberg, TX (36 mi); Richmond, TX (41 mi); Fulshear, TX (41 mi); Sugar Land, TX (47 mi) (US Census Bureau).
- Nearest smaller communities: Wharton, TX (13 mi); Ganado, TX (18 mi); Kendleton, TX (23 mi), each a US Census place.
What a personal loan costs in El Campo
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in El Campo
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in El Campo
A few practical steps will make the process in El Campo less costly:
- 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.