Liverpool at a glance
- Population: about 530 residents, ranking 965th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 480 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 10.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 965th by size among 1,224 communities (US Census Bureau).
- Size percentile: it is larger than about 21% of the places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 29.3018, -95.2745.
- Nearest larger cities: Danbury, TX (7 mi); Hillcrest Village, TX (7 mi); Alvin, TX (9 mi); Santa Fe, TX (12 mi); Angleton, TX (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Bonney, TX (11 mi); Sandy Point, TX (14 mi); Thompsons, TX (25 mi), each a US Census place.
What a personal loan costs in Liverpool
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
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 Liverpool
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Liverpool.
| 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 Liverpool
Before you share your details with a lender in Liverpool:
- 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.