Blossom at a glance
- Population: 1,456 (US Census Bureau, Vintage 2023 subcounty estimate), the 694th-largest of 1,224 places in Texas.
- 2020 Census base: 1,399 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 4.1% since the 2020 count (US Census Bureau).
- Rank among Texas places: 694th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 43% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 33.6633, -95.3837 (US Census Bureau Gazetteer).
- Nearest larger cities: Reno, TX (6 mi); Paris, TX (9 mi); Clarksville, TX (19 mi); Hugo, OK (25 mi); Cooper, TX (27 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Sun Valley, TX (3 mi); Detroit, TX (7 mi); Deport, TX (10 mi) (Census populations).
What a personal loan costs in Blossom
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Blossom
Read the table as the compliance picture for a lender serving Blossom: 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 Blossom
These steps are the ones that most affect the offer you receive in Blossom:
- 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.