Hubbard at a glance
- Population: the Census estimates 1,452 residents, ranking 697th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,390 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 4.5% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 697th largest of 1,224 (US Census Bureau).
- Size percentile: larger than about 43% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 31.8468, -96.8000 by the US Census Bureau Gazetteer.
- Nearest larger cities: West, TX (18 mi); Mart, TX (21 mi); Hillsboro, TX (22 mi); Mexia, TX (22 mi); Lacy-Lakeview, TX (23 mi), each a US Census place with its estimated population.
- Nearest smaller places: Dawson, TX (6 mi); Malone, TX (7 mi); Penelope, TX (8 mi) (US Census Bureau estimates).
What a personal loan costs in Hubbard
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Hubbard
Read the table as the compliance picture for a lender serving Hubbard: label, sourced figure, publisher and date.
| 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 Hubbard
The steps below are worth completing first when you borrow in Hubbard:
- 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.