Post at a glance
- Population: a Census-estimated 3,486, placing it 456th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 4,793 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 27.3% below the 2020 Census base (US Census Bureau).
- Rank among Texas places: 456th out of 1,224 Census places (US Census Bureau).
- Size percentile: about 63% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 33.1909, -101.3815 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Slaton, TX (23 mi); Lubbock, TX (39 mi); Wolfforth, TX (42 mi); Snyder, TX (43 mi); Lamesa, TX (46 mi) (US Census Bureau).
- Nearest smaller towns: Wilson, TX (22 mi); Tahoka, TX (24 mi); Ransom Canyon, TX (29 mi) (US Census Bureau).
What a personal loan costs in Post
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Post
The Texas rate caps and licensing rules that reach Post are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Post
The steps below are worth completing first when you borrow in Post:
- 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.