Duncanville at a glance
- Population: 38,883 — 92nd in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 40,705 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 4.5% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 92nd largest of 1,224 (US Census Bureau).
- Size percentile: roughly 92% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: 32.6459 / -96.9139, per the US Census Bureau Gazetteer.
- Nearest larger cities: DeSoto, TX (4 mi); Cedar Hill, TX (5 mi); Grand Prairie, TX (7 mi); Lancaster, TX (9 mi); Arlington, TX (13 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Cockrell Hill, TX (7 mi); Glenn Heights, TX (7 mi); Ovilla, TX (7 mi) (US Census Bureau estimates).
What a personal loan costs in Duncanville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Duncanville
The table lists the Texas rules that apply to a loan made in Duncanville, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Duncanville
The order below is a sensible way to approach a loan in Duncanville:
- 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.