Lakeside City at a glance
- Population: roughly 1,287 people; 736th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,076 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 19.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 736th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 40% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 33.8292, longitude -98.5403 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Wichita Falls, TX (5 mi); Holliday, TX (9 mi); Iowa Park, TX (12 mi); Burkburnett, TX (17 mi); Archer City, TX (17 mi) (US Census Bureau).
- Nearest smaller towns: Pleasant Valley, TX (8 mi); Dean, TX (10 mi); Jolly, TX (11 mi) — US Census Bureau populations.
What a personal loan costs in Lakeside City
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Lakeside City
The table carries the Texas rate and licensing rules that apply to consumer loans made in Lakeside City.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lakeside City
Before you share your details with a lender in Lakeside City:
- 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.