Personal loans in Piney Point Village, TX

When Texas caps or restricts a product, lenders either change the terms or withdraw it from Piney Point Village as from the rest of the state. By population, Piney Point Village sits at 487th in Texas, with an estimated 3,067 residents.

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 Piney Point Village is not the rate on offer but whether the payment fits; about 3,067 people live here under Texas lending law. The 2020 count to the 2023 estimate shows about 1.6% decline in Piney Point Village. Compare APR, not the interest rate, because the APR folds in most fees on a Piney Point Village loan. The nearest larger metro is Bunker Hill Village, TX about 1 miles away.

The Piney Point Village data picture

Here is the sourced Census picture for Piney Point Village, plus the Texas lending rules that apply to a loan taken out here.

Where Piney Point Village sits in Texas

Piney Point Village is the 487th-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, Piney Point Village ranks 1,020th of 1,224 in Texas (about the 17th percentile). Its roughly 1,444 residents per square mile place it 299th among Texas's places. In land area, Piney Point Village ranks 655th among Texas's 1,224 places.

Borrowing reach in Piney Point Village

With about 1,444 residents per square mile, Piney Point Village is moderately settled, and 61 larger Census places sit within 50 miles. A Texas licence lets a lender serve Piney Point Village without a local office, so branch density does not change what its 3,067 residents are offered. The nearest bigger place is Bunker Hill Village, TX about 1 miles away.

Where Piney Point Village sits

The Census Gazetteer records about 2.1 square miles of land within Piney Point Village, with no significant water area listed. Spread across it are roughly 1,444 residents per square mile. The state's population centre of gravity, Houston, is roughly 8 miles away. Counting outward 50 miles, 61 larger communities surround Piney Point Village. By land area it ranks 655th of 1,224 Texas places.

What Texas law requires in Piney Point Village

Read the table as a lender's compliance picture for Piney Point Village: 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
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
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

Steps to take before a Piney Point Village loan

Complete these steps first when you borrow in Piney Point Village (3,067 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

In Piney Point Village as elsewhere in Texas, the written terms — not the advertisement — are what count for its 3,067 residents.

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 Piney Point Village 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 Piney Point Village is the same as anywhere in Texas.
What loan size can I expect in Piney Point Village?
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 Piney Point Village?
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 Piney Point Village 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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