Bartlett at a glance
- Population: a Census-estimated 1,616, placing it 667th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 1,628 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 667th largest of 1,224 (US Census Bureau).
- Size percentile: about 46% of places in Texas are smaller (US Census Bureau).
- Coordinates: 30.7949 latitude, -97.4323 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Jarrell, TX (11 mi); Salado, TX (12 mi); Little River-Academy, TX (14 mi); Taylor, TX (15 mi); Belton, TX (18 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Granger, TX (5 mi); Holland, TX (7 mi); Weir, TX (12 mi) (US Census Bureau).
What a personal loan costs in Bartlett
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Bartlett
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Bartlett.
| 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 Bartlett
Here is a short checklist for comparing personal loans in Bartlett:
- 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.