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Personal loans in Lometa, TX

For a borrower in Lometa, a personal loan is a sum repaid in equal monthly installments, priced mainly from your credit profile, income and debt load. Lometa's Census population of roughly 800 makes it the 869th-largest of 1,224 places in Texas. Lenders in Texas work under state rate caps and licensing rules, each listed with its publisher in the table below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Lometa at a glance

  • Population: the Census estimates 800 residents, ranking 869th of 1,224 places in Texas (Vintage 2023).
  • 2020 Census base: 753 residents in the 2020 Census, per the US Census Bureau.
  • 2020 to 2023 change: an increase of about 6.2% since the 2020 count (US Census Bureau).
  • Rank among Texas places: 869th largest of 1,224 (US Census Bureau).
  • Size percentile: about 29% of places in Texas are smaller (US Census Bureau).
  • Coordinates: mapped at 31.2166, -98.3924 by the US Census Bureau Gazetteer.
  • Nearest larger cities within 120 miles: Lampasas, TX (16 mi); San Saba, TX (19 mi); Goldthwaite, TX (19 mi); Kempner, TX (27 mi); Copperas Cove, TX (29 mi) (US Census Bureau).
  • Smaller places close by: Evant, TX (23 mi); Mullin, TX (28 mi); Richland Springs, TX (33 mi) (US Census Bureau).

What a personal loan costs in Lometa

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.

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 Lometa

The table carries the Texas rate and licensing rules that apply to consumer loans made in Lometa.

RuleDetailSource
Payday lending statusLegal 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 licensingLicense 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 regulatorTexas 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 Lometa

Before you commit to a personal loan in Lometa, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Lometa?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Lometa are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Lometa?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Lometa require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Lometa hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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