Jacksonville at a glance
- Population: about 14,420 residents, ranking 197th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 14,022 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 2.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 197th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 84% of the Census places in Texas (US Census Bureau).
- Coordinates: latitude 31.9595, longitude -95.2657 (US Census Bureau Gazetteer).
- Nearest larger cities: Tyler, TX (25 mi); Palestine, TX (26 mi); Nacogdoches, TX (43 mi); Longview, TX (49 mi); Lufkin, TX (54 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Gallatin, TX (8 mi); New Summerfield, TX (9 mi); Cuney, TX (10 mi), each a US Census place.
What a personal loan costs in Jacksonville
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Jacksonville
Read the table as the compliance picture for a lender serving Jacksonville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Jacksonville
Here is a short checklist for comparing personal loans in Jacksonville:
- 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.