Rogers at a glance
- Population: 1,105, the 776th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,108 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 0.3% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 776th largest of 1,224 (US Census Bureau).
- Size percentile: it exceeds roughly 37% of Texas's Census places by population (US Census Bureau).
- Coordinates: 30.9292 latitude, -97.2297 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Little River-Academy, TX (8 mi); Holland, TX (11 mi); Bartlett, TX (15 mi); Temple, TX (15 mi); Cameron, TX (16 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Buckholts, TX (7 mi); Lott, TX (22 mi); Thrall, TX (24 mi), each a US Census place.
What a personal loan costs in Rogers
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Rogers
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Rogers.
| 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 Rogers
The steps below are worth completing first when you borrow in Rogers:
- 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.