South Houston at a glance
- Population: about 15,808, 187th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 16,157 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 187th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: larger than about 85% of the Census places in Texas (US Census Bureau).
- Coordinates: 29.6610, -95.2284 (US Census Bureau Gazetteer).
- Nearest larger cities: Pasadena, TX (5 mi); Deer Park, TX (7 mi); Pearland, TX (9 mi); Friendswood, TX (11 mi); La Porte, TX (11 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Galena Park, TX (6 mi); Brookside Village, TX (7 mi); Jacinto City, TX (7 mi) (US Census Bureau).
What a personal loan costs in South Houston
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in South Houston
The table lists the Texas rules that apply to a loan made in South Houston, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in South Houston
These steps are the ones that most affect the offer you receive in South Houston:
- 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.