Hooks at a glance
- Population: 2,484 (US Census Bureau, Vintage 2023 subcounty estimate), the 537th-largest of 1,224 places in Texas.
- 2020 Census base: 2,521 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 1.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 537th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 56% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: it sits at 33.4707, -94.2865 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: New Boston, TX (8 mi); Nash, TX (9 mi); Wake Village, TX (10 mi); Texarkana, TX (12 mi); Ashdown, AR (17 mi) (US Census Bureau).
- Smaller places close by: Leary, TX (4 mi); Red Lick, TX (7 mi); Redwater, TX (8 mi) (US Census Bureau).
What a personal loan costs in Hooks
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Hooks
The table lists the Texas rules that apply to a loan made in Hooks, each with the regulator that published it.
| 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 Hooks
Here is a short checklist for comparing personal loans in Hooks:
- 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.