Blackwell at a glance
- Population: a Census-estimated 252, placing it 1,120th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 257 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a loss of about 1.9% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,120th in population of 1,224 places (US Census Bureau).
- Size percentile: ahead of around 8% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 32.0851, longitude -100.3194 (US Census Bureau Gazetteer).
- Nearest larger cities: Bronte, TX (14 mi); Robert Lee, TX (16 mi); Winters, TX (23 mi); Sweetwater, TX (27 mi); Roscoe, TX (28 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Novice, TX (41 mi); Impact, TX (44 mi); Westbrook, TX (45 mi) (Census populations).
What a personal loan costs in Blackwell
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Blackwell
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Blackwell
The order below is a sensible way to approach a loan in Blackwell:
- 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.