Rosebud at a glance
- Population: 1,339 (US Census Bureau, Vintage 2023 subcounty estimate), the 723rd-largest of 1,224 places in Texas.
- 2020 Census base: 1,295 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 3.4% since the 2020 count (US Census Bureau).
- Rank among Texas places: 723rd out of 1,224 Census places (US Census Bureau).
- Size percentile: about 41% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: latitude 31.0757, longitude -96.9745 (US Census Bureau Gazetteer).
- Nearest larger cities: Cameron, TX (15 mi); Marlin, TX (17 mi); Troy, TX (21 mi); Little River-Academy, TX (23 mi); Bruceville-Eddy, TX (23 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Lott, TX (10 mi); Buckholts, TX (17 mi); Rogers, TX (18 mi) (US Census Bureau).
What a personal loan costs in Rosebud
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Rosebud
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rosebud
Run through this list before signing anything in Rosebud:
- 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.