Manvel at a glance
- Population: 17,261 residents, the 170th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 9,914 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 74.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 170th by size among 1,224 communities (US Census Bureau).
- Size percentile: roughly 86% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: latitude 29.4854, longitude -95.3623 (US Census Bureau Gazetteer).
- Nearest larger cities: Pearland, TX (5 mi); Alvin, TX (9 mi); Friendswood, TX (10 mi); Missouri City, TX (12 mi); League City, TX (15 mi), each a US Census place with its estimated population.
- Smaller places close by: Iowa Colony, TX (5 mi); Arcola, TX (7 mi); Brookside Village, TX (8 mi) (US Census Bureau).
What a personal loan costs in Manvel
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Manvel
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Manvel
Before you commit to a personal loan in Manvel, work through these steps:
- 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.