Itasca at a glance
- Population: 1,831 — 634th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,565 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 17.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 634th out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 48% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: latitude 32.1587, longitude -97.1479 (US Census Bureau Gazetteer).
- Nearest larger cities: Grandview, TX (8 mi); Hillsboro, TX (11 mi); Italy, TX (15 mi); Whitney, TX (17 mi); Alvarado, TX (18 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Covington, TX (7 mi); Carl's Corner, TX (8 mi); Milford, TX (12 mi) (US Census Bureau).
What a personal loan costs in Itasca
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Itasca
The table lists the Texas rules that apply to a loan made in Itasca, each with the regulator that published it.
| 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 Itasca
The order below is a sensible way to approach a loan in Itasca:
- 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.