Annetta South at a glance
- Population: a Census-estimated 683, placing it 910th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 617 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 10.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 910th largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 26% of the places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.6727, -97.6166.
- Nearest larger cities: Aledo, TX (2 mi); Annetta, TX (4 mi); Willow Park, TX (6 mi); Hudson Oaks, TX (7 mi); Benbrook, TX (9 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Annetta North, TX (3 mi); Westover Hills, TX (13 mi); Stockton Bend, TX (16 mi) (US Census Bureau).
What a personal loan costs in Annetta South
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Annetta South
The Texas rate caps and licensing rules that reach Annetta South are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Annetta South
The order below is a sensible way to approach a loan in Annetta South:
- 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.