Flower Mound at a glance
- Population: about 79,445 residents, ranking 52nd of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 75,977 (US Census Bureau).
- 2020 to 2023 change: about 4.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 52nd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 96% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 33.0379, -97.1134 by the US Census Bureau Gazetteer.
- Nearest larger cities: Lewisville, TX (8 mi); Denton, TX (13 mi); Carrollton, TX (13 mi); Irving, TX (15 mi); Frisco, TX (19 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Double Oak, TX (2 mi); Bartonville, TX (4 mi); Copper Canyon, TX (4 mi) (Census populations).
What a personal loan costs in Flower Mound
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Flower Mound
Read the table as the compliance picture for a lender serving Flower Mound: label, sourced figure, publisher and date.
| 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 Flower Mound
The steps below are worth completing first when you borrow in Flower Mound:
- 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.