Rosser at a glance
- Population: the Census estimates 370 residents, ranking 1,045th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 302 (US Census Bureau).
- 2020 to 2023 change: up roughly 22.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,045th in population of 1,224 places (US Census Bureau).
- Size percentile: larger than about 15% of the Census places in Texas (US Census Bureau).
- Coordinates: 32.4583 latitude, -96.4519 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Scurry, TX (5 mi); Grays Prairie, TX (6 mi); Oak Grove, TX (9 mi); Combine, TX (10 mi); Kaufman, TX (12 mi) (US Census Bureau).
- Smaller places close by: Cottonwood, TX (3 mi); Emhouse, TX (22 mi); Enchanted Oaks, TX (24 mi) (US Census Bureau).
What a personal loan costs in Rosser
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Rosser
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rosser
Here is a short checklist for comparing personal loans in Rosser:
- 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.