Patton Village at a glance
- Population: a Census-estimated 1,888, placing it 619th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,651 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 14.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 619th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 49% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 30.1964, -95.1651 in the US Census Bureau Gazetteer.
- Nearest larger cities: Roman Forest, TX (1 mi); Splendora, TX (2 mi); Cleveland, TX (11 mi); Humble, TX (16 mi); Oak Ridge North, TX (17 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Woodbranch, TX (2 mi); Plum Grove, TX (4 mi); North Cleveland, TX (12 mi) (US Census Bureau).
What a personal loan costs in Patton Village
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Patton Village
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Patton Village.
| 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 Patton Village
Before you commit to a personal loan in Patton Village, 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.