Hackberry at a glance
- Population: 2,944 people, the 499th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,976 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.1% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 499th largest of 1,224 (US Census Bureau).
- Size percentile: about 59% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 33.1497, longitude -96.9183 (US Census Bureau Gazetteer).
- Nearest larger cities: Little Elm, TX (3 mi); The Colony, TX (4 mi); Oak Point, TX (4 mi); Frisco, TX (6 mi); Lake Dallas, TX (6 mi); US Census Bureau population estimates.
- Nearest smaller places: Lakewood Village, TX (3 mi); Cross Roads, TX (7 mi); Hebron, TX (7 mi) (US Census Bureau estimates).
What a personal loan costs in Hackberry
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Hackberry
The table carries the Texas rate and licensing rules that apply to consumer loans made in Hackberry.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hackberry
The steps below are worth completing first when you borrow in Hackberry:
- 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.