Jacksboro at a glance
- Population: 4,219 (US Census Bureau, Vintage 2023 subcounty estimate), the 412th-largest of 1,224 places in Texas.
- 2020 Census base: 4,176 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 1.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 412th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 66% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 33.2258, longitude -98.1592 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Bridgeport, TX (22 mi); Graham, TX (26 mi); Mineral Wells, TX (28 mi); Bowie, TX (29 mi); Decatur, TX (33 mi) (US Census Bureau).
- Smaller towns nearby: Bryson, TX (14 mi); Runaway Bay, TX (17 mi); Lake Bridgeport, TX (19 mi) (US Census Bureau).
What a personal loan costs in Jacksboro
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 number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Jacksboro
Read the table as the compliance picture for a lender serving Jacksboro: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jacksboro
The steps below are worth completing first when you borrow in Jacksboro:
- 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.