Plantersville at a glance
- Population: 502 residents, the 981st-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 463 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 8.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 981st of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 20% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 30.3343, -95.8641 by the US Census Bureau Gazetteer.
- Nearest larger cities: Montgomery, TX (11 mi); Magnolia, TX (11 mi); Navasota, TX (14 mi); Stagecoach, TX (17 mi); Waller, TX (19 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Todd Mission, TX (5 mi); Anderson, TX (13 mi); Woodloch, TX (28 mi) — US Census Bureau populations.
What a personal loan costs in Plantersville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Plantersville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Plantersville
Before you share your details with a lender in Plantersville:
- 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.