Krugerville at a glance
- Population: 1,955 (US Census Bureau, Vintage 2023 subcounty estimate), the 612th-largest of 1,224 places in Texas.
- 2020 Census base: 1,771 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 10.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 612th out of 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 50% of Texas places in population terms (US Census Bureau).
- Coordinates: 33.2775 latitude, -96.9898 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Aubrey, TX (2 mi); Providence Village, TX (3 mi); Cross Roads, TX (4 mi); Little Elm, TX (7 mi); Oak Point, TX (7 mi) (US Census Bureau).
- Nearest smaller places: Lakewood Village, TX (10 mi); Tioga, TX (14 mi); Road Runner, TX (15 mi) (US Census Bureau estimates).
What a personal loan costs in Krugerville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Krugerville
The Texas rate caps and licensing rules that reach Krugerville are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Krugerville
These steps are the ones that most affect the offer you receive in Krugerville:
- 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.