Ross at a glance
- Population: 204 (US Census Bureau, Vintage 2023 subcounty estimate), the 1,155th-largest of 1,224 places in Texas.
- 2020 Census base: 199 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 2.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 1,155th by size among 1,224 communities (US Census Bureau).
- Size percentile: ahead of around 6% of Texas places in population terms (US Census Bureau).
- Coordinates: latitude 31.7276, longitude -97.1129 (US Census Bureau Gazetteer).
- Nearest larger cities: West, TX (5 mi); Leroy, TX (5 mi); Lacy-Lakeview, TX (7 mi); Gholson, TX (8 mi); Bellmead, TX (9 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Aquilla, TX (11 mi); Penelope, TX (14 mi); Bynum, TX (18 mi) (US Census Bureau).
What a personal loan costs in Ross
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in Ross
The table lists the Texas rules that apply to a loan made in Ross, each with the regulator that published it.
| 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 Ross
Before you commit to a personal loan in Ross, 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.