Crawford at a glance
- Population: about 925 residents, ranking 825th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 887 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 4.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 825th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 33% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 31.5379 / -97.4468, per the US Census Bureau Gazetteer.
- Nearest larger cities: McGregor, TX (8 mi); Valley Mills, TX (8 mi); Woodway, TX (13 mi); Waco, TX (15 mi); Hewitt, TX (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Oglesby, TX (9 mi); South Mountain, TX (15 mi); Ross, TX (24 mi) (US Census Bureau estimates).
What a personal loan costs in Crawford
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Crawford
The table carries the Texas rate and licensing rules that apply to consumer loans made in Crawford.
| 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 Crawford
The order below is a sensible way to approach a loan in Crawford:
- 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.