Fort Stockton at a glance
- Population: the Census estimates 8,113 residents, ranking 286th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 8,469 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 4.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: the 286th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 77% of places in Texas are smaller (US Census Bureau).
- Coordinates: 30.8926, -102.8842 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Town of Pecos, TX (51 mi); Odessa, TX (75 mi); Midland, TX (90 mi); Andrews, TX (101 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Grandfalls, TX (31 mi); McCamey, TX (43 mi); Crane, TX (47 mi) — US Census Bureau populations.
What a personal loan costs in Fort Stockton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
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 Fort Stockton
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fort Stockton
These steps are the ones that most affect the offer you receive in Fort Stockton:
- 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.