Northlake at a glance
- Population: a Census-estimated 9,453, placing it 257th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 5,214 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 81.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 257th in population of 1,224 places (US Census Bureau).
- Size percentile: about 79% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 33.0738 / -97.2562, per the US Census Bureau Gazetteer.
- Nearest larger cities: Roanoke, TX (4 mi); Trophy Club, TX (7 mi); Flower Mound, TX (9 mi); Keller, TX (10 mi); Southlake, TX (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Corral City, TX (2 mi); Justin, TX (3 mi); DISH, TX (5 mi) (Census populations).
What a personal loan costs in Northlake
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Northlake
The Texas rate caps and licensing rules that reach Northlake 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 Northlake
Before you share your details with a lender in Northlake:
- 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.