Jefferson at a glance
- Population: the Census estimates 1,851 residents, ranking 628th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,876 residents here (US Census Bureau).
- 2020 to 2023 change: down about 1.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 628th largest of 1,224 (US Census Bureau).
- Size percentile: ahead of around 49% of Texas places in population terms (US Census Bureau).
- Coordinates: mapped at 32.7635, -94.3508 by the US Census Bureau Gazetteer.
- Nearest larger cities: Marshall, TX (16 mi); Hallsville, TX (22 mi); Vivian, LA (22 mi); Waskom, TX (26 mi); Atlanta, TX (26 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Uncertain, TX (13 mi); Avinger, TX (15 mi); Scottsville, TX (17 mi), each a US Census place.
What a personal loan costs in Jefferson
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Jefferson
The Texas rate caps and licensing rules that reach Jefferson are listed below, each with its source and retrieval date.
| 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 Jefferson
Before you share your details with a lender in Jefferson:
- 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.