Cleburne at a glance
- Population: 36,209, the 101st-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 31,285 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up about 15.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 101st-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 92% of Texas places in population terms (US Census Bureau).
- Coordinates: 32.3550 latitude, -97.4116 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Burleson, TX (12 mi); Mansfield, TX (23 mi); Midlothian, TX (26 mi); Arlington, TX (29 mi); Fort Worth, TX (30 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Keene, TX (6 mi); Coyote Flats, TX (7 mi); Joshua, TX (7 mi) (US Census Bureau estimates).
What a personal loan costs in Cleburne
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Cleburne
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Cleburne.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Cleburne
Here is a short checklist for comparing personal loans in Cleburne:
- 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.