Personal loans in Clear Lake Shores, TX

Clear Lake Shores gained roughly 1.0% in population across the 2020-to-2023 comparison. The Census estimates 1,296 residents in Clear Lake Shores, which ranks it 731st of 1,224 places in Texas.

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

Compare loan offers Run the numbers first

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.

The first question in Clear Lake Shores is not the rate on offer but whether the payment fits; about 1,296 people live here under Texas lending law. Pull your credit reports and line up at least three offers before you apply from Clear Lake Shores. For the 1,296 people in Clear Lake Shores, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger city is Kemah, TX about 1 miles away.

Where Clear Lake Shores stands

Two layers matter for a Clear Lake Shores borrower: the local population picture and Texas's consumer-lending statutes.

The state rulebook for Clear Lake Shores

The rows below set out what a licensed lender must follow in Texas, and so for Clear Lake Shores's roughly 1,296 residents.

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
Small-loan / installment lender licensingLicense 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
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 personal loans work in Clear Lake Shores

With roughly 1,296 residents, Clear Lake Shores is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Clear Lake Shores lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Clear Lake Shores loan is knowable in advance — unlike a revolving card balance.

Clear Lake Shores's place among Texas's 1,224 places

Against Texas's other places, Clear Lake Shores accounts for about 0.0% of the state's population and ranks 731st of 1,224 by size. On the 2020-to-2023 trend, Clear Lake Shores stands 750th among Texas's 1,224 places — roughly the 39th percentile. At about 2,979 people per square mile, Clear Lake Shores is the 86th most densely settled place in Texas. In land area, Clear Lake Shores ranks 1,171st among Texas's 1,224 places.

The geography behind Clear Lake Shores

The Census Gazetteer records 0.4 square miles of land and 0.28 square miles of water within Clear Lake Shores. With 1,296 residents, the land area yields roughly 2,979 people per square mile. The state's population centre of gravity, Houston, is roughly 27 miles away. Counting outward 50 miles, 68 larger communities surround Clear Lake Shores. The 100-mile radius contains 119 larger places.

Borrowing reach in Clear Lake Shores

With about 2,979 residents per square mile, Clear Lake Shores is fairly dense, and 68 larger Census places sit within 50 miles. Whether Clear Lake Shores has a local branch or not, a Texas-licensed lender can serve its 1,296 people online on the same terms. For a larger market, the closest option is Kemah, TX about 1 miles away.

Compare personal loan offers Run the numbers first

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 Clear Lake Shores 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 Clear Lake Shores is the same as anywhere in Texas.
What loan size can I expect in Clear Lake Shores?
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 Clear Lake Shores?
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 Clear Lake Shores 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.

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