Cisco at a glance
- Population: the Census estimates 4,006 residents, ranking 421st of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 3,888 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 3.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 421st out of 1,224 Census places (US Census Bureau).
- Size percentile: larger than about 66% of the Census places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.3874, -98.9819.
- Nearest larger cities: Breckenridge, TX (26 mi); Comanche, TX (40 mi); Abilene, TX (44 mi); Stephenville, TX (46 mi); Brownwood, TX (47 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Eastland, TX (10 mi); Carbon, TX (12 mi); Putnam, TX (13 mi) (US Census Bureau).
What a personal loan costs in Cisco
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Cisco
The table lists the Texas rules that apply to a loan made in Cisco, each with the regulator that published it.
| 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 Cisco
Before you commit to a personal loan in Cisco, 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.