Bellmead at a glance
- Population: about 10,620 residents, ranking 235th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 10,507 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 1.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: the 235th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 81% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 31.6015, -97.0890 by the US Census Bureau Gazetteer.
- Nearest larger cities: Waco, TX (7 mi); Robinson, TX (11 mi); Hewitt, TX (12 mi); Temple, TX (39 mi); Gatesville, TX (40 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Lacy-Lakeview, TX (2 mi); Beverly Hills, TX (7 mi); Ross, TX (9 mi) (US Census Bureau).
What a personal loan costs in Bellmead
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Bellmead
Read the table as the compliance picture for a lender serving Bellmead: label, sourced figure, publisher and date.
| 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 Bellmead
The order below is a sensible way to approach a loan in Bellmead:
- 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.