De Leon at a glance
- Population: a Census-estimated 2,337, placing it 555th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,257 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 3.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 555th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: ahead of around 55% of Texas places in population terms (US Census Bureau).
- Coordinates: 32.1114, -98.5352 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Dublin, TX (12 mi); Comanche, TX (15 mi); Stephenville, TX (20 mi); Eastland, TX (26 mi); Cisco, TX (32 mi) (US Census Bureau populations).
- Nearest smaller communities: Gorman, TX (11 mi); Gustine, TX (20 mi); Carbon, TX (20 mi) (Census populations).
What a personal loan costs in De Leon
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in De Leon
The table carries the Texas rate and licensing rules that apply to consumer loans made in De Leon.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in De Leon
These steps are the ones that most affect the offer you receive in De Leon:
- 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.