Charlotte at a glance
- Population: a Census-estimated 1,596, placing it 670th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,525 (US Census Bureau).
- 2020 to 2023 change: population rose about 4.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 670th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 45% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 28.8593, -98.7006 by the US Census Bureau Gazetteer.
- Nearest larger cities: Jourdanton, TX (10 mi); Pleasanton, TX (14 mi); Poteet, TX (15 mi); Devine, TX (23 mi); Pearsall, TX (24 mi); US Census Bureau population estimates.
- Nearest smaller places: Christine, TX (13 mi); Natalia, TX (24 mi); Von Ormy, TX (29 mi) (US Census Bureau estimates).
What a personal loan costs in Charlotte
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Charlotte
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Charlotte
Before you share your details with a lender in Charlotte:
- 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.