Robinson at a glance
- Population: 12,987 — 210th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 12,432 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 4.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 210th largest of 1,224 (US Census Bureau).
- Size percentile: it exceeds roughly 83% of Texas's Census places by population (US Census Bureau).
- Coordinates: it sits at 31.4515, -97.1229 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Hewitt, TX (4 mi); Waco, TX (8 mi); Temple, TX (29 mi); Belton, TX (35 mi); Gatesville, TX (37 mi) (US Census Bureau).
- Nearest smaller places: Beverly Hills, TX (5 mi); Golinda, TX (7 mi); Lorena, TX (7 mi) (US Census Bureau estimates).
What a personal loan costs in Robinson
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Robinson
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Robinson
These steps are the ones that most affect the offer you receive in Robinson:
- 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.