Stephenville at a glance
- Population: the Census estimates 21,946 residents, ranking 141st of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 20,961 (US Census Bureau).
- 2020 to 2023 change: up about 4.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 141st in population of 1,224 places (US Census Bureau).
- Size percentile: it exceeds roughly 88% of Texas's Census places by population (US Census Bureau).
- Coordinates: 32.2145, -98.2199 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Weatherford, TX (45 mi); Cleburne, TX (48 mi); Benbrook, TX (55 mi); Burleson, TX (56 mi); Fort Worth, TX (64 mi) (US Census Bureau).
- Nearest smaller communities: Dublin, TX (11 mi); Hico, TX (19 mi); De Leon, TX (20 mi) (Census populations).
What a personal loan costs in Stephenville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Stephenville
Read the table as the compliance picture for a lender serving Stephenville: label, sourced figure, publisher and date.
| 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 Stephenville
A few practical steps will make the process in Stephenville 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.