Frost at a glance
- Population: the Census estimates 629 residents, ranking 926th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 622 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 1.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 926th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 24% of places in Texas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.0793, -96.8086.
- Nearest larger cities: Blooming Grove, TX (5 mi); Italy, TX (9 mi); Milford, TX (9 mi); Dawson, TX (14 mi); Bardwell, TX (15 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Mertens, TX (5 mi); Barry, TX (10 mi); Malone, TX (12 mi) (Census populations).
What a personal loan costs in Frost
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Frost
The table lists the Texas rules that apply to a loan made in Frost, each with the regulator that published it.
| 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 Frost
Run through this list before signing anything in Frost:
- 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.