Personal loans in Fort Stockton, TX
A single loan can carry different costs on either side of a state line, and Fort Stockton sits on the Texas side of that line.
The roughly 8,113 people who live in Fort Stockton borrow under Texas rules; city hall sets no personal-loan rate. Fort Stockton is one of 1,224 Census places in Texas; its 8,113 residents put it at 286th. Fort Stockton shed about 4.2% of its population between the 2020 base and the 2023 estimate. Begin with the payment, then weigh APR and total interest across the lenders that reach Fort Stockton's 8,113 residents. The nearest larger metro is Town of Pecos, TX about 51 miles away.
Borrowing in Fort Stockton: the local picture
Fort Stockton is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: 8,113 — Fort Stockton ranks 286th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 4.2% across the 2020-to-2023 comparison.
- Absolute change: 356 residents lost between 2020 and 2023.
- Size percentile: roughly 77% of Texas's places have fewer residents than Fort Stockton's 8,113.
- Land and density: 5.5 square miles of land carry roughly 1,462 residents per square mile.
- By land area: Fort Stockton ranks 338th among Texas's 1,224 places, at 5.5 sq mi.
- Share of state population: Fort Stockton's 8,113 residents are about 0.0% of Texas.
- National standing: Fort Stockton ranks 3,656th of 19,457 US places.
- Growth rank: Fort Stockton ranks 1,164th among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Fort Stockton's 4.2%.
- Density in Texas: Fort Stockton ranks 295th by people per square mile.
- Against the state median: Fort Stockton runs about 1,462 residents per square mile, where the Texas median is 840.
- Location: 30.8926, -102.8842 (Census Gazetteer coordinates).
- Nearest larger cities: Town of Pecos (51 mi); Odessa (75 mi); Midland (90 mi); Andrews (101 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Grandfalls (31 mi); McCamey (43 mi); Crane (47 mi) — useful context for the surrounding area.
- Smaller neighbours: 7 places smaller than Fort Stockton sit within 50 miles.
- At 100 miles: 3 larger Census places fall inside that radius.
Borrowing reach in Fort Stockton
At roughly 1,462 people per square mile, Fort Stockton is moderately settled; 0 larger places lie within 50 miles. What is available to Fort Stockton's 8,113 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Town of Pecos, TX about 51 miles away.
Texas rules behind a Fort Stockton personal loan
The rows below set out what a licensed lender must follow in Texas, and so for Fort Stockton's roughly 8,113 residents.
| 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 |
| 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 |
| 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 |
Fort Stockton in state context
Fort Stockton is the 286th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 1,164th of 1,224 Texas places, putting it near the 5th percentile for growth. At about 1,462 people per square mile, Fort Stockton is the 295th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 356 residents.
How personal loans work in Fort Stockton
In Fort Stockton, a small town of about 8,113, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Fort Stockton lender to disclose the APR and finance charge before you sign. The term you choose in Fort Stockton decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Fort Stockton
Inside Fort Stockton's boundaries lie about 5.5 square miles of land, with no significant water area recorded. With 8,113 residents, the land area yields roughly 1,462 people per square mile. The largest place in Texas, Houston, lies about 453 miles away. A 50-mile radius around Fort Stockton takes in 0 places that are larger. By land area it ranks 338th of 1,224 Texas places.
Common questions
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Nearby places
- Grandfalls, TX — population 327
- Wickett, TX — population 408
- Thorntonville, TX — population 536
- Pyote, TX — population 67
- McCamey, TX — population 1,717
- Crane, TX — population 3,362
- Barstow, TX — population 252
- Monahans, TX — population 7,311