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Personal loans in Chico, TX

In Chico, a personal loan gives you a lump sum repaid over a set term, with the lender setting your APR from your credit, income and debts. Chico's Census population of roughly 1,064 makes it the 782nd-largest of 1,224 places in Texas. Texas's rate ceilings and lender-licensing requirements appear below, each with the publisher and date behind it.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Chico at a glance

  • Population: 1,064 people, the 782nd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 948 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: roughly 12.2% higher than at the 2020 Census (US Census Bureau).
  • Rank among Texas places: 782nd largest of 1,224 (US Census Bureau).
  • Size percentile: larger than about 36% of the Census places in Texas (US Census Bureau).
  • Coordinates: mapped at 33.2961, -97.7986 by the US Census Bureau Gazetteer.
  • Nearest larger cities: Bridgeport, TX (6 mi); Alvord, TX (7 mi); Runaway Bay, TX (9 mi); Decatur, TX (13 mi); Bowie, TX (18 mi) — straight-line distances, US Census Bureau populations.
  • Smaller places close by: Lake Bridgeport, TX (6 mi); Paradise, TX (12 mi); Bellevue, TX (26 mi) (US Census Bureau).

What a personal loan costs in Chico

Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.

Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.

Texas lending rules that apply in Chico

Each row below is a Texas rule with its publisher and the date it was retrieved.

RuleDetailSource
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
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
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 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

How to compare offers in Chico

Run through this list before signing anything in Chico:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Chico?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Chico are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Chico?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Chico require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Chico hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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