Bryson at a glance
- Population: a Census-estimated 459, placing it 1,001st among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 429 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 7.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 1,001st by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 18% of Texas's Census places by population (US Census Bureau).
- Coordinates: it sits at 33.1656, -98.3888 in the US Census Bureau Gazetteer.
- Nearest larger cities: Graham, TX (12 mi); Jacksboro, TX (14 mi); Graford, TX (18 mi); Newcastle, TX (21 mi); Olney, TX (25 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Windthorst, TX (29 mi); Lake Bridgeport, TX (32 mi); Cool, TX (33 mi) (US Census Bureau).
What a personal loan costs in Bryson
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 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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Bryson
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Bryson
A few practical steps will make the process in Bryson less costly:
- 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.