Point Comfort at a glance
- Population: 562, the 946th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 604 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 7.0% since the 2020 count (US Census Bureau).
- Rank among Texas places: 946th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 23% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 28.6684 / -96.5570, per the US Census Bureau Gazetteer.
- Nearest larger cities: Port Lavaca, TX (6 mi); Seadrift, TX (20 mi); Palacios, TX (20 mi); Edna, TX (22 mi); Ganado, TX (26 mi); US Census Bureau population estimates.
- Smaller towns nearby: La Ward, TX (14 mi); Austwell, TX (26 mi); Bayside, TX (56 mi) (US Census Bureau).
What a personal loan costs in Point Comfort
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Point Comfort
The table lists the Texas rules that apply to a loan made in Point Comfort, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Point Comfort
Here is a short checklist for comparing personal loans in Point Comfort:
- 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.