Aubrey at a glance
- Population: about 8,267 residents, ranking 282nd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 5,018 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 64.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: the 282nd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 77% of Texas's Census places by population (US Census Bureau).
- Coordinates: latitude 33.3085, longitude -96.9791 (US Census Bureau Gazetteer).
- Nearest larger cities: Providence Village, TX (5 mi); Little Elm, TX (9 mi); Celina, TX (10 mi); Prosper, TX (11 mi); Denton, TX (11 mi); US Census Bureau population estimates.
- Nearest smaller places: Krugerville, TX (2 mi); Cross Roads, TX (6 mi); Pilot Point, TX (6 mi) (US Census Bureau estimates).
What a personal loan costs in Aubrey
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Aubrey
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Aubrey.
| 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 Aubrey
A few practical steps will make the process in Aubrey 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.