Dickens at a glance
- Population: the Census estimates 208 residents, ranking 1,151st of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 214 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.8% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,151st largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 6% of the places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.6213, -100.8368.
- Nearest larger cities: Spur, TX (10 mi); Crosbyton, TX (23 mi); Matador, TX (27 mi); Jayton, TX (30 mi); Ralls, TX (32 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Roaring Springs, TX (19 mi); O'Brien, TX (60 mi); Benjamin, TX (60 mi), each a US Census place.
What a personal loan costs in Dickens
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Dickens
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Dickens.
| 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 Dickens
Before you share your details with a lender in Dickens:
- 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.