Hart at a glance
- Population: 855, the 850th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 869 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 1.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 850th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: larger than about 31% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 34.3858, -102.1150 by the US Census Bureau Gazetteer.
- Nearest larger cities: Olton, TX (14 mi); Dimmitt, TX (16 mi); Earth, TX (20 mi); Tulia, TX (22 mi); Plainview, TX (26 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Nazareth, TX (11 mi); Edmonson, TX (14 mi); Springlake, TX (15 mi) (US Census Bureau).
What a personal loan costs in Hart
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Hart
The Texas rate caps and licensing rules that reach Hart are listed below, each with its source and retrieval date.
| 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 Hart
The order below is a sensible way to approach a loan in Hart:
- 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.