Jarrell at a glance
- Population: 3,980 — 425th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,753 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 127.0% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 425th in population of 1,224 places (US Census Bureau).
- Size percentile: it is larger than about 65% of the places in Texas (US Census Bureau).
- Coordinates: 30.8103 latitude, -97.6151 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Georgetown, TX (11 mi); Harker Heights, TX (17 mi); Nolanville, TX (18 mi); Belton, TX (19 mi); Hutto, TX (19 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Weir, TX (9 mi); Florence, TX (11 mi); Salado, TX (11 mi) (US Census Bureau).
What a personal loan costs in Jarrell
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
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 Jarrell
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Jarrell
The order below is a sensible way to approach a loan in Jarrell:
- 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.