Joshua at a glance
- Population: about 8,901, 265th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 7,919 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 12.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 265th in population of 1,224 places (US Census Bureau).
- Size percentile: about 78% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 32.4591, -97.3838 in the US Census Bureau Gazetteer.
- Nearest larger cities: Burleson, TX (5 mi); Cleburne, TX (7 mi); Crowley, TX (8 mi); Forest Hill, TX (16 mi); Benbrook, TX (16 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Cross Timber, TX (4 mi); Briaroaks, TX (5 mi); Keene, TX (6 mi) (US Census Bureau).
What a personal loan costs in Joshua
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Joshua
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Joshua
These steps are the ones that most affect the offer you receive in Joshua:
- 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.