Buckholts at a glance
- Population: 388, the 1,040th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 365 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 6.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,040th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 15% of the places in Texas (US Census Bureau).
- Coordinates: 30.8740 / -97.1289, per the US Census Bureau Gazetteer.
- Nearest larger cities: Rogers, TX (7 mi); Cameron, TX (9 mi); Little River-Academy, TX (15 mi); Holland, TX (16 mi); Rosebud, TX (17 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Coupland, TX (33 mi); Wixon Valley, TX (49 mi); Carmine, TX (57 mi), each a US Census place.
What a personal loan costs in Buckholts
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Buckholts
The Texas rate caps and licensing rules that reach Buckholts are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Buckholts
The order below is a sensible way to approach a loan in Buckholts:
- 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.