Rising Star at a glance
- Population: about 771, 880th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 756 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.0% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: the 880th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: about 28% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 32.0976, -98.9665 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Cross Plains, TX (12 mi); Gorman, TX (19 mi); Cisco, TX (20 mi); Eastland, TX (23 mi); Early, TX (25 mi) (US Census Bureau).
- Nearest smaller communities: Carbon, TX (14 mi); Blanket, TX (22 mi); Putnam, TX (23 mi) (Census populations).
What a personal loan costs in Rising Star
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Rising Star
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rising Star
These steps are the ones that most affect the offer you receive in Rising Star:
- 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.