Justin at a glance
- Population: 5,892 people, the 341st-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,393 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 34.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 341st of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 72% of places in Texas are smaller (US Census Bureau).
- Coordinates: 33.0818 latitude, -97.3142 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Northlake, TX (3 mi); Roanoke, TX (7 mi); Trophy Club, TX (10 mi); Keller, TX (12 mi); Flower Mound, TX (12 mi), each a US Census place with its estimated population.
- Nearest smaller communities: DISH, TX (3 mi); Corral City, TX (5 mi); Ponder, TX (6 mi), each a US Census place.
What a personal loan costs in Justin
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Justin
The table carries the Texas rate and licensing rules that apply to consumer loans made in Justin.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Justin
The order below is a sensible way to approach a loan in Justin:
- 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.