Personal loans in Surfside Beach, TX

Judge Surfside Beach offers on total cost, not on how quickly the money arrives. State law, not city hall, decides what a lender may do to Surfside Beach's roughly 692 residents, and a state regulator supervises it. Population in Surfside Beach climbed about 8.1% over the three years from 2020 to 2023. A larger market lies at Oyster Creek, TX about 4 miles away.

Surfside Beach by the numbers

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

• Population: 692 — Surfside Beach ranks 906th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 8.1% more residents than the 2020 Census counted.
• Net change: roughly 52 more people than the 2020 Census counted.
• Size percentile: roughly 26% of Texas's places have fewer residents than Surfside Beach's 692.
• Population density: 435 people per square mile on 1.6 square miles of land.
• Land area: Surfside Beach covers 1.6 square miles, the 827th-largest area among Texas's 1,224 places.
• Water: Surfside Beach holds about 0.28 square miles, the 140th-largest water area in Texas.
• Share of Texas: Surfside Beach holds about 0.0% of the state's population, some 692 people.
• National rank: Surfside Beach sits 11,834th by population among the 19,457 places in this dataset.
• Growth rank: Surfside Beach's 2020-to-2023 change ranks 291st of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Surfside Beach moved 8.1%.
• Density rank: Surfside Beach places 932nd among Texas's places by people per square mile.
• Against the state median: Surfside Beach runs about 435 residents per square mile, where the Texas median is 840.
• Location: the Census Gazetteer records it at 28.9531, -95.2838.
• Nearest larger cities: Oyster Creek (4 mi); Freeport (4 mi); Clute (9 mi); Richwood (10 mi); Jones Creek (11 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Quintana (4 mi); Liverpool (24 mi); Bonney (26 mi).
• Within a 50-mile radius: 6 smaller Census places.
• Within 100 miles: 114 places are larger than Surfside Beach.

What shapes a Surfside Beach personal loan

Surfside Beach is a small community of about 692 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Surfside Beach's rank of 906th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Surfside Beach loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Surfside Beach sits in Texas

Within Texas, Surfside Beach holds roughly 0.0% of all residents, the 906th-largest share among 1,224 places. For population change between 2020 and 2023, Surfside Beach ranks 291st of 1,224 in Texas (about the 76th percentile). By density, at about 435 people per square mile, it ranks 932nd in Texas. Within 50 miles sit 6 smaller Census places, alongside the 47 that are larger.

Lender access in Surfside Beach

With about 435 residents per square mile, Surfside Beach is lightly settled, and 47 larger Census places sit within 50 miles. A Texas licence lets a lender serve Surfside Beach without a local office, so branch density does not change what its 692 residents are offered. The nearest larger city, Oyster Creek, TX about 4 miles away.

Where Surfside Beach sits

Surfside Beach's land area is about 1.6 square miles; a further 0.28 square miles is water. The resulting density is about 435 people per square mile. For the state's biggest city, Houston, the distance is roughly 58 miles. Surfside Beach has 47 larger places within a 50-mile radius. Within the same 50 miles lie 6 smaller Census places.

What Texas law requires in Surfside Beach

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