Grapeland at a glance
- Population: the Census estimates 1,487 residents, ranking 689th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,465 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 1.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 689th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 44% of places in Texas are smaller (US Census Bureau).
- Coordinates: 31.4940, -95.4775 (US Census Bureau Gazetteer).
- Nearest larger cities: Crockett, TX (12 mi); Palestine, TX (21 mi); Rusk, TX (29 mi); Jacksonville, TX (34 mi); Buffalo, TX (35 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Latexo, TX (7 mi); Elkhart, TX (11 mi); Kennard, TX (20 mi) (Census populations).
What a personal loan costs in Grapeland
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Grapeland
The table lists the Texas rules that apply to a loan made in Grapeland, each with the regulator that published it.
| 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 Grapeland
The order below is a sensible way to approach a loan in Grapeland:
- 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.