Hearne at a glance
- Population: a Census-estimated 4,535, placing it 397th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 4,537 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: under a tenth of a percent either way (US Census Bureau Vintage 2023 estimate).
- Rank among Texas places: 397th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 68% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.8771 latitude, -96.5952 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Bryan, TX (19 mi); Cameron, TX (23 mi); Caldwell, TX (25 mi); College Station, TX (27 mi); Rockdale, TX (29 mi); US Census Bureau population estimates.
- Smaller places close by: Calvert, TX (8 mi); Franklin, TX (12 mi); Wixon Valley, TX (18 mi) (US Census Bureau).
What a personal loan costs in Hearne
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Hearne
The table lists the Texas rules that apply to a loan made in Hearne, each with the regulator that published it.
| 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 Hearne
The steps below are worth completing first when you borrow in Hearne:
- 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.