Rowlett at a glance
- Population: a Census-estimated 66,813, placing it 59th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 62,553 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: up roughly 6.8% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 59th by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 95% of Texas's Census places by population (US Census Bureau).
- Coordinates: mapped at 32.9159, -96.5486 by the US Census Bureau Gazetteer.
- Nearest larger cities: Garland, TX (5 mi); Richardson, TX (10 mi); Mesquite, TX (11 mi); Plano, TX (15 mi); Allen, TX (15 mi); US Census Bureau population estimates.
- Nearest smaller towns: Sachse, TX (4 mi); Rockwall, TX (6 mi); Heath, TX (7 mi) — US Census Bureau populations.
What a personal loan costs in Rowlett
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Rowlett
Each row below is a Texas rule with its publisher and the date it was retrieved.
| 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 Rowlett
A few practical steps will make the process in Rowlett less costly:
- 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.