Personal loans in Jolly, TX

In Jolly, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Jolly gained roughly 5.3% in population across the 2020-to-2023 comparison.

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.

By population, Jolly sits at 1,171st in Texas, with an estimated 179 residents. Verify the lender's Texas licence against the regulator named below before borrowing in Jolly. A single loan can carry different costs on either side of a state line, and Jolly sits on the Texas side of that line. The nearest larger city is Dean, TX about 4 miles away.

Local context for Jolly

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

What shapes a Jolly personal loan

With roughly 179 residents, Jolly is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Jolly. Shortening the term on a Jolly loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which Texas laws govern a loan in Jolly

Read the table as a lender's compliance picture for Jolly: the rule, the sourced figure, the publisher and the date.

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 lenders reach Jolly

At roughly 182 people per square mile, Jolly is lightly settled; 37 larger places lie within 50 miles. Distance to a branch rarely matters for Jolly's 179 residents: the application is online and the price follows your credit file. The nearest bigger place is Dean, TX about 4 miles away.

How Jolly compares across Texas

Set beside Texas's 1,224 places, Jolly ranks 1,171st by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 422nd of 1,224 Texas places, putting it near the 66th percentile for growth. Its roughly 182 residents per square mile place it 1,128th among Texas's places. By land area, its 1.0 square miles rank 1,021st of 1,224 places in Texas.

Land, water and location for Jolly

Jolly covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 182 residents per square mile. Houston, the largest place in Texas, is about 332 miles from Jolly. Counting outward 50 miles, 37 larger communities surround Jolly. Within the same 50 miles lie 9 smaller Census 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 Jolly 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 Jolly is the same as anywhere in Texas.
What loan size can I expect in Jolly?
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 Jolly?
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 Jolly 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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