Bogata at a glance
- Population: 1,095, the 777th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,077 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 777th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 37% of places in Texas are smaller (US Census Bureau).
- Coordinates: 33.4698 / -95.2135, per the US Census Bureau Gazetteer.
- Nearest larger cities: Clarksville, TX (13 mi); Blossom, TX (17 mi); Mount Vernon, TX (20 mi); Reno, TX (20 mi); Paris, TX (24 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Deport, TX (7 mi); Talco, TX (10 mi); Detroit, TX (14 mi) (US Census Bureau).
What a personal loan costs in Bogata
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Bogata
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bogata
The order below is a sensible way to approach a loan in Bogata:
- 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.