Yorktown at a glance
- Population: 1,793 people, the 642nd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,816 (US Census Bureau).
- 2020 to 2023 change: down about 1.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 642nd of the state's 1,224 Census places (US Census Bureau).
- Size percentile: roughly 48% of places in Texas rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 28.9828, -97.5050.
- Nearest larger cities: Cuero, TX (16 mi); Kenedy, TX (24 mi); Karnes City, TX (25 mi); Nixon, TX (25 mi); Yoakum, TX (30 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Nordheim, TX (8 mi); Runge, TX (14 mi); Smiley, TX (21 mi) (US Census Bureau estimates).
What a personal loan costs in Yorktown
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.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Yorktown
Read the table as the compliance picture for a lender serving Yorktown: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Yorktown
Here is a short checklist for comparing personal loans in Yorktown:
- 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.