Rocksprings at a glance
- Population: a Census-estimated 848, placing it 853rd among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 872 (US Census Bureau).
- 2020 to 2023 change: population fell about 2.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 853rd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 30% of Texas places in population terms (US Census Bureau).
- Coordinates: 30.0171, -100.2133 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Junction, TX (42 mi); Sonora, TX (46 mi); Brackettville, TX (50 mi); Ingram, TX (59 mi); Del Rio, TX (60 mi) (US Census Bureau).
- Nearest smaller towns: Camp Wood, TX (27 mi); Leakey, TX (34 mi); Spofford, TX (60 mi) (US Census Bureau).
What a personal loan costs in Rocksprings
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Rocksprings
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Rocksprings.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rocksprings
Before you share your details with a lender in Rocksprings:
- 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.