Annetta North at a glance
- Population: about 613 residents, ranking 933rd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 551 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 11.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 933rd out of 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 24% of the places in Texas (US Census Bureau).
- Coordinates: 32.7128 latitude, -97.6424 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Annetta, TX (2 mi); Aledo, TX (2 mi); Willow Park, TX (3 mi); Annetta South, TX (3 mi); Hudson Oaks, TX (4 mi); US Census Bureau population estimates.
- Smaller places close by: Sanctuary, TX (14 mi); Stockton Bend, TX (18 mi); Millsap, TX (22 mi) (US Census Bureau).
What a personal loan costs in Annetta North
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Annetta North
The table lists the Texas rules that apply to a loan made in Annetta North, each with the regulator that published it.
| 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 Annetta North
Run through this list before signing anything in Annetta North:
- 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.