Ackerly at a glance
- Population: roughly 254 people; 1,118th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 261 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.7% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,118th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 9% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 32.5251 latitude, -101.7158 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Lamesa, TX (20 mi); Big Spring, TX (24 mi); Stanton, TX (28 mi); Coahoma, TX (29 mi); O'Donnell, TX (31 mi) (US Census Bureau populations).
- Smaller places nearby: Los Ybanez, TX (18 mi); Forsan, TX (35 mi); Westbrook, TX (43 mi), per US Census Bureau estimates.
What a personal loan costs in Ackerly
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Ackerly
Read the table as the compliance picture for a lender serving Ackerly: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Ackerly
Before you share your details with a lender in Ackerly:
- 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.