Stockton Bend at a glance
- Population: 411 people, the 1,029th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 385 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 6.8% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,029th out of 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 16% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 32.4792, -97.7627 by the US Census Bureau Gazetteer.
- Nearest larger cities: Granbury, TX (3 mi); DeCordova, TX (5 mi); Cresson, TX (9 mi); Tolar, TX (11 mi); Godley, TX (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Cool, TX (26 mi); Coyote Flats, TX (29 mi); Blum, TX (32 mi) (Census populations).
What a personal loan costs in Stockton Bend
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Stockton Bend
Read the table as the compliance picture for a lender serving Stockton Bend: label, sourced figure, publisher and date.
| 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 Stockton Bend
The order below is a sensible way to approach a loan in Stockton Bend:
- 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.