Azle at a glance
- Population: roughly 14,562 people; 196th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 13,362 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 9.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 196th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 84% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 32.8955 latitude, -97.5392 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Saginaw, TX (10 mi); White Settlement, TX (11 mi); Fort Worth, TX (14 mi); Benbrook, TX (16 mi); Haltom City, TX (16 mi) (US Census Bureau populations).
- Nearest smaller towns: Pelican Bay, TX (2 mi); Sanctuary, TX (3 mi); Reno, TX (4 mi) — US Census Bureau populations.
What a personal loan costs in Azle
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.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Azle
The table lists the Texas rules that apply to a loan made in Azle, 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 Azle
The steps below are worth completing first when you borrow in Azle:
- 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.