Lowry Crossing at a glance
- Population: roughly 1,680 people; 655th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,689 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.5% below the 2020 Census base (US Census Bureau).
- Rank among Texas places: 655th by size among 1,224 communities (US Census Bureau).
- Size percentile: it is larger than about 46% of the places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.1693, -96.5450.
- Nearest larger cities (120-mile radius): Princeton, TX (2 mi); Fairview, TX (4 mi); Lucas, TX (5 mi); McKinney, TX (7 mi); Melissa, TX (8 mi) (US Census Bureau).
- Nearest smaller communities: New Hope, TX (3 mi); St. Paul, TX (8 mi); Blue Ridge, TX (12 mi), each a US Census place.
What a personal loan costs in Lowry Crossing
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Lowry Crossing
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Lowry Crossing
Here is a short checklist for comparing personal loans in Lowry Crossing:
- 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.