Piney Point Village at a glance
- Population: about 3,067, 487th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,117 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.6% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 487th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 60% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.7565, -95.5154 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Bunker Hill Village, TX (1 mi); Hunters Creek Village, TX (2 mi); Spring Valley Village, TX (2 mi); Bellaire, TX (5 mi); West University Place, TX (6 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Hedwig Village, TX (2 mi); Hilshire Village, TX (3 mi); Southside Place, TX (6 mi) (US Census Bureau).
What a personal loan costs in Piney Point Village
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Piney Point Village
Read the table as the compliance picture for a lender serving Piney Point Village: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Piney Point Village
Here is a short checklist for comparing personal loans in Piney Point Village:
- 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.