Jourdanton at a glance
- Population: the Census estimates 4,304 residents, ranking 406th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 4,078 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 5.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 406th in population of 1,224 places (US Census Bureau).
- Size percentile: about 67% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: it sits at 28.9140, -98.5408 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Pleasanton, TX (4 mi); Sandy Oaks, TX (20 mi); Devine, TX (27 mi); Floresville, TX (28 mi); Pearsall, TX (34 mi) (US Census Bureau).
- Nearest smaller towns: Poteet, TX (9 mi); Christine, TX (9 mi); Charlotte, TX (10 mi) — US Census Bureau populations.
What a personal loan costs in Jourdanton
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Jourdanton
The table lists the Texas rules that apply to a loan made in Jourdanton, each with the regulator that published it.
| 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 Jourdanton
Run through this list before signing anything in Jourdanton:
- 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.