Cross Timber at a glance
- Population: about 462, 997th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 436 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 6.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 997th largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 19% of the places in Texas (US Census Bureau).
- Coordinates: latitude 32.4829, longitude -97.3267 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Briaroaks, TX (2 mi); Burleson, TX (2 mi); Joshua, TX (4 mi); Keene, TX (6 mi); Crowley, TX (7 mi) (US Census Bureau).
- Nearest smaller towns: Coyote Flats, TX (9 mi); Covington, TX (21 mi); Blum, TX (24 mi) — US Census Bureau populations.
What a personal loan costs in Cross Timber
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Cross Timber
The table lists the Texas rules that apply to a loan made in Cross Timber, 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 Cross Timber
Before you share your details with a lender in Cross Timber:
- 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.