Lumberton at a glance
- Population: about 14,129, 201st by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 13,557 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 4.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 201st in population of 1,224 places (US Census Bureau).
- Size percentile: about 84% of places in Texas are smaller (US Census Bureau).
- Coordinates: 30.2550 / -94.2080, per the US Census Bureau Gazetteer.
- Nearest larger cities: Beaumont, TX (12 mi); Nederland, TX (23 mi); Groves, TX (28 mi); Orange, TX (29 mi); Port Arthur, TX (31 mi) (Census populations, approximate straight-line distance).
- Smaller places nearby: Rose Hill Acres, TX (4 mi); Silsbee, TX (7 mi); Bevil Oaks, TX (8 mi), per US Census Bureau estimates.
What a personal loan costs in Lumberton
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Lumberton
Read the table as the compliance picture for a lender serving Lumberton: label, sourced figure, publisher and date.
| 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 Lumberton
The order below is a sensible way to approach a loan in Lumberton:
- 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.