Temple at a glance
- Population: the Census estimates 93,095 residents, ranking 45th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 82,073 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 13.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 45th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 96% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 31.1049, -97.3885 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Killeen, TX (20 mi); Waco, TX (33 mi); Georgetown, TX (35 mi); Round Rock, TX (43 mi); Austin, TX (60 mi) (US Census Bureau populations).
- Nearest smaller towns: Morgan's Point Resort, TX (5 mi); Belton, TX (6 mi); Troy, TX (8 mi) — US Census Bureau populations.
What a personal loan costs in Temple
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Temple
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Temple
These steps are the ones that most affect the offer you receive in Temple:
- 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.