Hutchins at a glance
- Population: roughly 6,149 people; 333rd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 5,595 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 9.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 333rd by size among 1,224 communities (US Census Bureau).
- Size percentile: ahead of around 73% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 32.6434, longitude -96.7098 (US Census Bureau Gazetteer).
- Nearest larger cities: Wilmer, TX (3 mi); Lancaster, TX (5 mi); Balch Springs, TX (7 mi); DeSoto, TX (9 mi); Seagoville, TX (10 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Ferris, TX (8 mi); Pecan Hill, TX (11 mi); Oak Leaf, TX (12 mi), per US Census Bureau estimates.
What a personal loan costs in Hutchins
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Hutchins
The Texas rate caps and licensing rules that reach Hutchins 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 Hutchins
Here is a short checklist for comparing personal loans in Hutchins:
- 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.