Personal loans in Hubbard, TX
With 1,452 residents, Hubbard outranks about 43% of the communities in Texas. Two households in Hubbard with comparable incomes can still be offered different rates; the city's 1,452 residents are not the reason.
The 2020 count to the 2023 estimate shows about 4.5% growth in Hubbard. Use the calculator on this page to price an amount and term before you commit in Hubbard. A lender that serves Hubbard operates under Texas lending statutes and a Texas supervisor. The closest larger place is West, TX about 18 miles away.
Local context for Hubbard
Here is the sourced Census picture for Hubbard, plus the Texas lending rules that apply to a loan taken out here.
- Population: 1,452 people, a figure that places Hubbard 697th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 4.5% across the 2020-to-2023 comparison.
- Change in people: the 2020-to-2023 comparison is a gain of about 62 residents.
- Size percentile: about 43% of Texas's Census places are smaller than Hubbard.
- Population density: 742 people per square mile on 2.0 square miles of land.
- Land area rank: Hubbard's 2.0 square miles rank 727th of 1,224 places in Texas.
- Water area: Hubbard has 0.04 square miles of water, ranking 338th of 1,224 places in Texas.
- Share of state population: Hubbard's 1,452 residents are about 0.0% of Texas.
- National rank: Hubbard is the 8,808th most populous of the 19,457 Census places covered here.
- Growth rank: Hubbard ranks 467th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Hubbard moved 4.5%.
- Density in Texas: Hubbard ranks 686th by people per square mile.
- Against the state median: Hubbard runs about 742 residents per square mile, where the Texas median is 840.
- Location: coordinates 31.8468, -96.8000 (US Census Bureau Gazetteer).
- Nearest larger cities: West (18 mi); Mart (21 mi); Hillsboro (22 mi); Mexia (22 mi); Lacy-Lakeview (23 mi). Larger metros often have more branches, but online lenders reach Hubbard on the same terms.
- Nearest smaller towns: Dawson (6 mi); Malone (7 mi); Penelope (8 mi).
- Within a 50-mile radius: 56 smaller Census places.
- At 100 miles: 222 larger Census places fall inside that radius.
The Hubbard borrowing checklist
Complete these steps first when you borrow in Hubbard (1,452 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Verify the lender's Texas licence with the regulator listed on this page.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
The process is identical across Texas; what changes is your credit file, not the fact that Hubbard holds 1,452 people.
How lenders reach Hubbard
At roughly 742 people per square mile, Hubbard is moderately settled; 40 larger places lie within 50 miles. Whether Hubbard has a local branch or not, a Texas-licensed lender can serve its 1,452 people online on the same terms. The nearest larger city, West, TX about 18 miles away.
Land, water and location for Hubbard
Hubbard covers about 2.0 square miles of land, with 0.04 square miles of water inside its boundaries (Census Gazetteer). With 1,452 residents, the land area yields roughly 742 people per square mile. Houston, the largest place in Texas, is about 165 miles from Hubbard. Counting outward 50 miles, 40 larger communities surround Hubbard. Within the same 50 miles lie 56 smaller Census places.
How Hubbard compares across Texas
Hubbard is the 697th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 467th of 1,224 Texas places, putting it near the 62th percentile for growth. By density, at about 742 people per square mile, it ranks 686th in Texas. The population moved by about 62 people between 2020 and 2023, a 4.5% shift.
The Texas lending rules that reach Hubbard
For the roughly 1,452 residents of Hubbard, the rules below are Texas's own; each row carries its publisher and retrieval 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 |
| 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 |
Common questions
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Nearby places
- Dawson, TX — population 817
- Malone, TX — population 248
- Mount Calm, TX — population 310
- Penelope, TX — population 187
- Coolidge, TX — population 786
- Mertens, TX — population 156
- Frost, TX — population 629
- Bynum, TX — population 177