Ranger at a glance
- Population: about 2,282, 566th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 2,299 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 566th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 54% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.4695, -98.6757.
- Nearest larger cities within 120 miles: Eastland, TX (9 mi); Cisco, TX (19 mi); Breckenridge, TX (24 mi); De Leon, TX (26 mi); Stephenville, TX (32 mi) (US Census Bureau).
- Smaller places nearby: Strawn, TX (12 mi); Mingus, TX (15 mi); Carbon, TX (16 mi), per US Census Bureau estimates.
What a personal loan costs in Ranger
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
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 Ranger
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Ranger
Before you share your details with a lender in Ranger:
- 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.