Personal loans in East Bernard, TX
Two households in East Bernard with comparable incomes can still be offered different rates; the city's 2,240 residents are not the reason. East Bernard is one of 1,224 Census places in Texas; its 2,240 residents put it at 571st.
Price two or three terms so you can see which payment is truly affordable in East Bernard. From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. When Texas caps or restricts a product, lenders either change the terms or withdraw it from East Bernard as from the rest of the state. The next larger city is Weston Lakes, TX about 12 miles away.
Where East Bernard stands
Here is the sourced Census picture for East Bernard, plus the Texas lending rules that apply to a loan taken out here.
- Population: about 2,240, ranked 571st of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 0.9% between 2020 and 2023.
- People gained or lost: about 21 more since the 2020 base.
- Size percentile: roughly 53% of Texas's places have fewer residents than East Bernard's 2,240.
- Population density: about 591 people per square mile across 3.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: East Bernard ranks 454th among Texas's 1,224 places, at 3.8 sq mi.
- Share of Texas: East Bernard holds about 0.0% of the state's population, some 2,240 people.
- National rank: East Bernard is 7,223rd of 19,457 places nationwide.
- Growth rank: East Bernard's 2020-to-2023 change ranks 758th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while East Bernard moved 0.9%.
- Density in Texas: East Bernard ranks 821st by people per square mile.
- Against the state median: East Bernard runs about 591 residents per square mile, where the Texas median is 840.
- Location: it lies at 29.5244, -96.0630 in the Census Gazetteer.
- Nearest larger cities: Weston Lakes (12 mi); Wharton (14 mi); Rosenberg (15 mi); Fulshear (16 mi); Needville (16 mi). Lenders licensed in the state serve East Bernard whether or not they keep a local branch.
- Smaller towns nearby: Kendleton (7 mi); Wallis (7 mi); Orchard (8 mi).
- Smaller neighbours: 28 places smaller than East Bernard sit within 50 miles.
- Larger places within 100 miles: 103.
The state rulebook for East Bernard
Read the table as a lender's compliance picture for East Bernard: the rule, the sourced figure, the publisher and the 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 |
| 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 |
| 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 lenders reach East Bernard
East Bernard is a moderately settled community of about 2,240 people, with 41 larger places inside a 50-mile radius. Distance to a branch rarely matters for East Bernard's 2,240 residents: the application is online and the price follows your credit file. The nearest larger city, Weston Lakes, TX about 12 miles away.
How personal loans work in East Bernard
In East Bernard, a small community of about 2,240, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving East Bernard's 2,240 residents must disclose the APR and finance charge in writing before you sign. The term you choose in East Bernard decides the split between a comfortable payment and the total interest you pay.
Where East Bernard sits
Inside East Bernard's boundaries lie about 3.8 square miles of land, with no significant water area recorded. With 2,240 residents, the land area yields roughly 591 people per square mile. For the state's biggest city, Houston, the distance is roughly 44 miles. A 50-mile radius around East Bernard takes in 41 places that are larger. Within the same 50 miles lie 28 smaller Census places.
East Bernard against the rest of Texas
East Bernard is the 571st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, East Bernard ranks 758th of 1,224 in Texas (about the 38th percentile). At about 591 people per square mile, East Bernard is the 821st most densely settled place in Texas. Within 50 miles sit 28 smaller Census places, alongside the 41 that are larger.
Common questions
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Nearby places
- Kendleton, TX — population 352
- Wallis, TX — population 1,349
- Orchard, TX — population 323
- Beasley, TX — population 692
- Simonton, TX — population 659
- Weston Lakes, TX — population 4,338
- Wharton, TX — population 8,742
- South Frydek, TX — population 217