Personal loans in Bellaire, TX

The Census counts 17,016 people in Bellaire, the 172nd-largest figure among Texas's 1,224 places. The roughly 17,016 people who live in Bellaire borrow under Texas rules; city hall sets no personal-loan rate.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Verify the lender's Texas licence against the regulator named below before borrowing in Bellaire. State law, not city hall, decides what a lender may do to Bellaire's roughly 17,016 residents, and a state regulator supervises it. The trend for Bellaire between 2020 and 2023 is downward by roughly 1.1%. The closest larger place is Houston, TX about 7 miles away.

The Bellaire data picture

Set out below is Bellaire's local context next to the state-level rules that reach every lender here.

Where Bellaire sits in Texas

Within Texas, Bellaire holds roughly 0.1% of all residents, the 172nd-largest share among 1,224 places. On the 2020-to-2023 trend, Bellaire stands 976th among Texas's 1,224 places — roughly the 20th percentile. At about 4,731 people per square mile, Bellaire is the 14th most densely settled place in Texas. The population moved by about 187 people between 2020 and 2023, a 1.1% shift.

Getting a loan in Bellaire

Bellaire is fairly dense, with about 4,731 people per square mile and 23 larger places within 50 miles. Whether Bellaire has a local branch or not, a Texas-licensed lender can serve its 17,016 people online on the same terms. The nearest larger city, Houston, TX about 7 miles away.

Which Texas laws govern a loan in Bellaire

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Bellaire lender must follow.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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

A pre-application checklist for Bellaire

Before you hand your details to a lender in Bellaire, where the population is near 17,016:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Borrow only what the purpose requires, not the maximum you are offered.

The process is identical across Texas; what changes is your credit file, not the fact that Bellaire holds 17,016 people.

Where Bellaire sits

Bellaire's land area is roughly 3.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 4,731 residents per square mile. The largest place in Texas, Houston, lies about 7 miles away. Bellaire has 23 larger places within a 50-mile radius. By land area it ranks 476th of 1,224 Texas places.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bellaire if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bellaire is the same as anywhere in Texas.
What loan size can I expect in Bellaire?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bellaire?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bellaire cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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