Aquilla at a glance
- Population: 110 (US Census Bureau, Vintage 2023 subcounty estimate), the 1,196th-largest of 1,224 places in Texas.
- 2020 Census base: the 2020 count put the population at 103 (US Census Bureau).
- 2020 to 2023 change: about 6.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,196th by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 2% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 31.8539, -97.2196 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): West, TX (8 mi); Abbott, TX (9 mi); Whitney, TX (9 mi); Gholson, TX (10 mi); Ross, TX (11 mi) (US Census Bureau populations).
- Smaller places close by: Kirvin, TX (53 mi); Powell, TX (56 mi); Corral City, TX (86 mi) (US Census Bureau).
What a personal loan costs in Aquilla
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Aquilla
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
| Payday lending status | Legal 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 |
How to compare offers in Aquilla
The order below is a sensible way to approach a loan in Aquilla:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.