Taft at a glance
- Population: 2,914, the 502nd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,799 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 4.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 502nd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 59% of Texas's Census places by population (US Census Bureau).
- Coordinates: 27.9800, -97.3928 (US Census Bureau Gazetteer).
- Nearest larger cities: Portland, TX (7 mi); Sinton, TX (8 mi); Ingleside, TX (14 mi); Aransas Pass, TX (18 mi); Corpus Christi, TX (21 mi), each a US Census place with its estimated population.
- Smaller places close by: Gregory, TX (7 mi); Odem, TX (12 mi); Bayside, TX (14 mi) (US Census Bureau).
What a personal loan costs in Taft
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Taft
The table carries the Texas rate and licensing rules that apply to consumer loans made in Taft.
| 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 Taft
The order below is a sensible way to approach a loan in Taft:
- 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.