Dennis at a glance
- Population: 836 — 856th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 756 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 10.6% since the 2020 count (US Census Bureau).
- Rank among Texas places: 856th out of 1,224 Census places (US Census Bureau).
- Size percentile: larger than about 30% of the Census places in Texas (US Census Bureau).
- Coordinates: 32.6079 latitude, -97.9376 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Weatherford, TX (14 mi); Tolar, TX (15 mi); Granbury, TX (15 mi); Annetta, TX (17 mi); Hudson Oaks, TX (17 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Lipan, TX (9 mi); Millsap, TX (11 mi); Stockton Bend, TX (14 mi) (Census populations).
What a personal loan costs in Dennis
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Dennis
The table lists the Texas rules that apply to a loan made in Dennis, each with the regulator that published it.
| 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 Dennis
A few practical steps will make the process in Dennis less costly:
- 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.