Thorntonville at a glance
- Population: the Census estimates 536 residents, ranking 961st of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 562 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 4.6% since the 2020 count (US Census Bureau).
- Rank among Texas places: 961st out of 1,224 Census places (US Census Bureau).
- Size percentile: roughly 21% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: it sits at 31.5789, -102.9221 in the US Census Bureau Gazetteer.
- Nearest larger cities: Monahans, TX (11 mi); Wink, TX (18 mi); Kermit, TX (21 mi); Crane, TX (36 mi); Town of Pecos, TX (38 mi), each a US Census place with its estimated population.
- Nearest smaller places: Wickett, TX (5 mi); Pyote, TX (12 mi); Grandfalls, TX (17 mi) (US Census Bureau estimates).
What a personal loan costs in Thorntonville
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Thorntonville
The table carries the Texas rate and licensing rules that apply to consumer loans made in Thorntonville.
| 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 Thorntonville
The steps below are worth completing first when you borrow in Thorntonville:
- 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.