Fulton at a glance
- Population: 1,592 — 672nd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,524 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 4.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 672nd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 45% of places in Texas are smaller (US Census Bureau).
- Coordinates: it sits at 28.0724, -97.0389 in the US Census Bureau Gazetteer.
- Nearest larger cities: Rockport, TX (2 mi); Aransas Pass, TX (12 mi); Ingleside, TX (17 mi); Port Aransas, TX (18 mi); Gregory, TX (19 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Bayside, TX (11 mi); Ingleside on the Bay, TX (20 mi); Woodsboro, TX (21 mi) (US Census Bureau estimates).
What a personal loan costs in Fulton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Fulton
The table lists the Texas rules that apply to a loan made in Fulton, 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 Fulton
These steps are the ones that most affect the offer you receive in Fulton:
- 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.