Navasota at a glance
- Population: about 8,969, 262nd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 7,656 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 17.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 262nd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 79% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 30.3864 latitude, -96.0907 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): College Station, TX (18 mi); Brenham, TX (24 mi); Bryan, TX (26 mi); Tomball, TX (35 mi); Conroe, TX (36 mi) (US Census Bureau populations).
- Smaller towns nearby: Anderson, TX (9 mi); Plantersville, TX (14 mi); Todd Mission, TX (18 mi) (US Census Bureau).
What a personal loan costs in Navasota
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Navasota
The table carries the Texas rate and licensing rules that apply to consumer loans made in Navasota.
| 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 Navasota
These steps are the ones that most affect the offer you receive in Navasota:
- 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.