Bridgeport at a glance
- Population: 6,514 — 322nd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 5,923 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 10.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 322nd in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 74% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 33.2104 / -97.7725, per the US Census Bureau Gazetteer.
- Nearest larger cities: Decatur, TX (11 mi); Azle, TX (26 mi); Northlake, TX (31 mi); Weatherford, TX (32 mi); Krum, TX (32 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Lake Bridgeport, TX (3 mi); Chico, TX (6 mi); Runaway Bay, TX (6 mi) — US Census Bureau populations.
What a personal loan costs in Bridgeport
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.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Bridgeport
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Bridgeport.
| 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 Bridgeport
The order below is a sensible way to approach a loan in Bridgeport:
- 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.