Hurst at a glance
- Population: a Census-estimated 39,304, placing it 91st among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 40,416 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 2.8% below the 2020 Census base (US Census Bureau).
- Rank among Texas places: 91st largest of 1,224 (US Census Bureau).
- Size percentile: it is larger than about 93% of the places in Texas (US Census Bureau).
- Coordinates: mapped at 32.8366, -97.1806 by the US Census Bureau Gazetteer.
- Nearest larger cities: Bedford, TX (3 mi); North Richland Hills, TX (3 mi); Haltom City, TX (5 mi); Euless, TX (6 mi); Keller, TX (7 mi); US Census Bureau population estimates.
- Smaller towns nearby: Richland Hills, TX (3 mi); Colleyville, TX (4 mi); Watauga, TX (5 mi) (US Census Bureau).
What a personal loan costs in Hurst
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Hurst
The Texas rate caps and licensing rules that reach Hurst 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 Hurst
The order below is a sensible way to approach a loan in Hurst:
- 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.