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Personal loans in Humble, TX

In Humble, a personal loan turns a one-time expense into predictable monthly payments, and the rate you get depends on your credit, income and debts. Census estimates count about 16,237 residents in Humble, making it the 179th-largest of 1,224 places in Texas. Texas law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Humble at a glance

  • Population: 16,237, the 179th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
  • 2020 Census base: 16,797 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a decline of roughly 3.3% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Texas places: 179th largest of 1,224 (US Census Bureau).
  • Size percentile: about 85% of Texas's Census places are smaller (US Census Bureau).
  • Coordinates: 29.9882 latitude, -95.2644 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: Houston, TX (16 mi); Deer Park, TX (23 mi); Bellaire, TX (23 mi); Baytown, TX (24 mi); Pasadena, TX (24 mi); each population is a US Census Bureau estimate.
  • Nearest smaller towns: Woodbranch, TX (14 mi); Roman Forest, TX (15 mi); Jacinto City, TX (15 mi) — US Census Bureau populations.

What a personal loan costs in Humble

Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.

Texas lending rules that apply in Humble

Each row below is a Texas rule with its publisher and the date it was retrieved.

RuleDetailSource
Small-loan / installment lender licensingLicense 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 regulatorTexas 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 statusLegal 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 Humble

These steps are the ones that most affect the offer you receive in Humble:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Humble?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Humble are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Humble?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Humble require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Humble hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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