Stinnett at a glance
- Population: 1,613 (US Census Bureau, Vintage 2023 subcounty estimate), the 668th-largest of 1,224 places in Texas.
- 2020 Census base: 1,649 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 2.2% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 668th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 45% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 35.8231 latitude, -101.4436 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Borger, TX (12 mi); Fritch, TX (15 mi); Sunray, TX (25 mi); Dumas, TX (29 mi); Spearman, TX (29 mi) (US Census Bureau populations).
- Smaller towns nearby: Sanford, TX (10 mi); Skellytown, TX (23 mi); Gruver, TX (30 mi) (US Census Bureau).
What a personal loan costs in Stinnett
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Stinnett
The table lists the Texas rules that apply to a loan made in Stinnett, each with the regulator that published it.
| 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 Stinnett
Here is a short checklist for comparing personal loans in Stinnett:
- 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.