DeCordova at a glance
- Population: a Census-estimated 3,206, placing it 472nd among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 3,010 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 6.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 472nd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 61% of the places in Texas (US Census Bureau).
- Coordinates: 32.4291, -97.6931 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Granbury, TX (5 mi); Godley, TX (10 mi); Cleburne, TX (17 mi); Joshua, TX (18 mi); Annetta, TX (19 mi) (US Census Bureau).
- Nearest smaller places: Stockton Bend, TX (5 mi); Cresson, TX (8 mi); Glen Rose, TX (13 mi) (US Census Bureau estimates).
What a personal loan costs in DeCordova
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 DeCordova
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in DeCordova.
| 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 DeCordova
Run through this list before signing anything in DeCordova:
- 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.