Bullard at a glance
- Population: about 4,848, 382nd by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 3,799 residents here (US Census Bureau).
- 2020 to 2023 change: up about 27.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 382nd in population of 1,224 places (US Census Bureau).
- Size percentile: larger than about 69% of the Census places in Texas (US Census Bureau).
- Coordinates: 32.1442 latitude, -95.3175 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Whitehouse, TX (8 mi); Tyler, TX (12 mi); Jacksonville, TX (13 mi); Lindale, TX (25 mi); Rusk, TX (26 mi) (US Census Bureau populations).
- Smaller towns nearby: Noonday, TX (8 mi); Coffee City, TX (9 mi); Cuney, TX (9 mi) (US Census Bureau).
What a personal loan costs in Bullard
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Bullard
The table carries the Texas rate and licensing rules that apply to consumer loans made in Bullard.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bullard
Before you commit to a personal loan in Bullard, work through these steps:
- 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.