Rose City at a glance
- Population: 341 — 1,068th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 325 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 4.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,068th by size among 1,224 communities (US Census Bureau).
- Size percentile: roughly 13% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 30.1065, -94.0502 (US Census Bureau Gazetteer).
- Nearest larger cities: Vidor, TX (4 mi); Pine Forest, TX (5 mi); Beaumont, TX (6 mi); Nederland, TX (10 mi); Port Neches, TX (11 mi), each a US Census place with its estimated population.
- Smaller places nearby: Rose Hill Acres, TX (10 mi); Taylor Landing, TX (17 mi); Dayton Lakes, TX (46 mi), per US Census Bureau estimates.
What a personal loan costs in Rose City
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Rose City
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 Rose City
A few practical steps will make the process in Rose City less costly:
- 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.