Road Runner at a glance
- Population: a Census-estimated 823, placing it 859th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 768 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 7.2% since the 2020 count (US Census Bureau).
- Rank among Texas places: 859th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 30% of the Census places in Texas (US Census Bureau).
- Coordinates: mapped at 33.4843, -97.0848 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Valley View, TX (4 mi); Sanger, TX (8 mi); Pilot Point, TX (10 mi); Tioga, TX (10 mi); Gainesville, TX (11 mi) (US Census Bureau populations).
- Smaller towns nearby: Oak Ridge, TX (12 mi); Callisburg, TX (15 mi); Sadler, TX (19 mi) (US Census Bureau).
What a personal loan costs in Road Runner
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.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Road Runner
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Road Runner
Before you commit to a personal loan in Road Runner, work through these steps:
- 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.