Oglesby at a glance
- Population: roughly 438 people; 1,013th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 440 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 0.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: the 1,013th-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 17% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 31.4186, -97.5113 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: McGregor, TX (5 mi); Crawford, TX (9 mi); Moody, TX (12 mi); Gatesville, TX (14 mi); Valley Mills, TX (17 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: South Mountain, TX (10 mi); Cranfills Gap, TX (31 mi); Ross, TX (32 mi) (US Census Bureau estimates).
What a personal loan costs in Oglesby
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Oglesby
The Texas rate caps and licensing rules that reach Oglesby are listed below, each with its source and retrieval date.
| 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 Oglesby
Before you share your details with a lender in Oglesby:
- 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.