Dean at a glance
- Population: 522, the 967th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 493 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 5.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 967th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 21% of places in Texas are smaller (US Census Bureau).
- Coordinates: it sits at 33.9162, -98.4014 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Wichita Falls, TX (7 mi); Lakeside City, TX (10 mi); Petrolia, TX (12 mi); Henrietta, TX (14 mi); Burkburnett, TX (15 mi) (US Census Bureau).
- Smaller places nearby: Jolly, TX (4 mi); Cashion Community, TX (10 mi); Pleasant Valley, TX (11 mi), per US Census Bureau estimates.
What a personal loan costs in Dean
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Dean
Read the table as the compliance picture for a lender serving Dean: label, sourced figure, publisher and date.
| 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 Dean
The steps below are worth completing first when you borrow in Dean:
- 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.