Rocky Mound at a glance
- Population: 85 people, the 1,207th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 80 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 6.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 1,207th in population of 1,224 places (US Census Bureau).
- Size percentile: roughly 1% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: latitude 33.0212, longitude -95.0175 (US Census Bureau Gazetteer).
- Nearest larger cities: Pittsburg, TX (3 mi); Mount Pleasant, TX (10 mi); Winfield, TX (11 mi); Mount Vernon, TX (16 mi); Winnsboro, TX (16 mi), each a US Census place with its estimated population.
- Nearest smaller places: Miller's Cove, TX (11 mi); Sun Valley, TX (51 mi); Domino, TX (55 mi) (US Census Bureau estimates).
What a personal loan costs in Rocky Mound
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Rocky Mound
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 Rocky Mound
The order below is a sensible way to approach a loan in Rocky Mound:
- 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.