Jersey Village at a glance
- Population: roughly 7,653 people; 292nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 7,977 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population fell about 4.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 292nd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 76% of the places in Texas (US Census Bureau).
- Coordinates: it sits at 29.8929, -95.5772 in the US Census Bureau Gazetteer.
- Nearest larger cities: Houston, TX (14 mi); Tomball, TX (14 mi); Bellaire, TX (15 mi); West University Place, TX (15 mi); Katy, TX (17 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Spring Valley Village, TX (8 mi); Hedwig Village, TX (9 mi); Hilshire Village, TX (9 mi) (US Census Bureau estimates).
What a personal loan costs in Jersey Village
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Jersey Village
The table lists the Texas rules that apply to a loan made in Jersey Village, each with the regulator that published it.
| 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 Jersey Village
Before you share your details with a lender in Jersey Village:
- 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.