Stagecoach at a glance
- Population: a Census-estimated 590, placing it 940th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 581 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 1.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 940th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 23% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 30.1418, -95.7001 (US Census Bureau Gazetteer).
- Nearest larger cities: Magnolia, TX (6 mi); Tomball, TX (6 mi); Waller, TX (15 mi); Shenandoah, TX (15 mi); Oak Ridge North, TX (15 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Todd Mission, TX (11 mi); Plantersville, TX (17 mi); Woodloch, TX (18 mi) (US Census Bureau).
What a personal loan costs in Stagecoach
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
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 Stagecoach
The table carries the Texas rate and licensing rules that apply to consumer loans made in Stagecoach.
| 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 Stagecoach
The steps below are worth completing first when you borrow in Stagecoach:
- 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.