Pleak at a glance
- Population: 1,123, the 772nd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 972 (US Census Bureau).
- 2020 to 2023 change: about 15.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 772nd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 37% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 29.4743, -95.8023 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Rosenberg, TX (5 mi); Needville, TX (6 mi); Richmond, TX (8 mi); Sugar Land, TX (13 mi); Weston Lakes, TX (15 mi) (US Census Bureau).
- Nearest smaller towns: Fairchilds, TX (3 mi); Beasley, TX (7 mi); Thompsons, TX (10 mi) — US Census Bureau populations.
What a personal loan costs in Pleak
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
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 Pleak
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Pleak.
| 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 Pleak
The order below is a sensible way to approach a loan in Pleak:
- 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.