Linden at a glance
- Population: 1,813 (US Census Bureau, Vintage 2023 subcounty estimate), the 638th-largest of 1,224 places in Texas.
- 2020 Census base: 1,823 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 0.5% below the 2020 Census base (US Census Bureau).
- Rank among Texas places: 638th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 48% of Texas's Census places by population (US Census Bureau).
- Coordinates: latitude 33.0110, longitude -94.3626 (US Census Bureau Gazetteer).
- Nearest larger cities: Atlanta, TX (13 mi); Jefferson, TX (17 mi); Daingerfield, TX (21 mi); Vivian, LA (24 mi); New Boston, TX (31 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Douglassville, TX (12 mi); Avinger, TX (14 mi); Marietta, TX (15 mi) — US Census Bureau populations.
What a personal loan costs in Linden
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Texas lending rules that apply in Linden
The Texas rate caps and licensing rules that reach Linden are listed below, each with its source and retrieval date.
| 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 Linden
Before you share your details with a lender in Linden:
- 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.