Venus at a glance
- Population: 7,528 people, the 294th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 4,535 (US Census Bureau).
- 2020 to 2023 change: up roughly 66.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 294th in population of 1,224 places (US Census Bureau).
- Size percentile: about 76% of places in Texas are smaller (US Census Bureau).
- Coordinates: 32.4262, -97.1022 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Midlothian, TX (7 mi); Mansfield, TX (10 mi); Cedar Hill, TX (14 mi); Burleson, TX (15 mi); Waxahachie, TX (15 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Alvarado, TX (6 mi); Maypearl, TX (10 mi); Grandview, TX (12 mi) (US Census Bureau).
What a personal loan costs in Venus
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Venus
Read the table as the compliance picture for a lender serving Venus: label, sourced figure, publisher and date.
| 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 Venus
Before you share your details with a lender in Venus:
- 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.