Jasper at a glance
- Population: a Census-estimated 7,470, placing it 296th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 6,877 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 8.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 296th largest of 1,224 (US Census Bureau).
- Size percentile: larger than about 76% of the Census places in Texas (US Census Bureau).
- Coordinates: 30.9227, -93.9933 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: DeRidder, LA (42 mi); Lumberton, TX (48 mi); Lufkin, TX (52 mi); Vidor, TX (55 mi); Orange, TX (57 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Browndell, TX (14 mi); Newton, TX (15 mi); Kirbyville, TX (19 mi) (US Census Bureau).
What a personal loan costs in Jasper
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Jasper
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Jasper
The order below is a sensible way to approach a loan in Jasper:
- 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.