Throckmorton at a glance
- Population: about 765 residents, ranking 882nd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 724 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 5.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 882nd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 28% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: mapped at 33.1821, -99.1798 by the US Census Bureau Gazetteer.
- Nearest larger cities: Stamford, TX (26 mi); Olney, TX (27 mi); Seymour, TX (29 mi); Munday, TX (32 mi); Haskell, TX (32 mi); US Census Bureau population estimates.
- Smaller places nearby: Woodson, TX (14 mi); Megargel, TX (24 mi); Newcastle, TX (25 mi), per US Census Bureau estimates.
What a personal loan costs in Throckmorton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Throckmorton
The table lists the Texas rules that apply to a loan made in Throckmorton, each with the regulator that published it.
| 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 Throckmorton
A few practical steps will make the process in Throckmorton less costly:
- 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.