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Personal loans in Hawkins, TX

For residents of Hawkins, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. About 1,401 people live in Hawkins, which ranks 707th of 1,224 Census places in Texas. Texas law sets the rate ceilings and the licensing a lender must hold, and the table below lists each sourced figure.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Hawkins at a glance

  • Population: 1,401 — 707th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,273 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: a gain of roughly 10.1% between the 2020 count and the 2023 estimate (US Census Bureau).
  • Rank among Texas places: 707th by size among 1,224 communities (US Census Bureau).
  • Size percentile: it exceeds roughly 42% of Texas's Census places by population (US Census Bureau).
  • Coordinates: it sits at 32.5914, -95.2033 in the US Census Bureau Gazetteer.
  • Nearest larger cities: Lindale, TX (14 mi); Gladewater, TX (15 mi); Hideaway, TX (16 mi); Mineola, TX (17 mi); Gilmer, TX (18 mi); each population is a US Census Bureau estimate.
  • Smaller towns nearby: Big Sandy, TX (5 mi); Winona, TX (7 mi); Union Grove, TX (17 mi) (US Census Bureau).

What a personal loan costs in Hawkins

The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.

Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.

The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.

Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.

Texas lending rules that apply in Hawkins

The table lists the Texas rules that apply to a loan made in Hawkins, each with the regulator that published it.

RuleDetailSource
Small-loan / installment lender licensingLicense 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 regulatorTexas 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 statusLegal 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 Hawkins

These steps are the ones that most affect the offer you receive in Hawkins:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Hawkins?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Hawkins are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Hawkins?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Hawkins require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Hawkins hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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