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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

The Hubbard borrowing checklist

Complete these steps first when you borrow in Hubbard (1,452 residents):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Test the payment against your current bills before you commit.
  7. 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.

RuleDetailSource
State lending regulatorTexas 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 licensingLicense 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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Hubbard if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Hubbard is the same as anywhere in Texas.
What loan size can I expect in Hubbard?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Hubbard?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Hubbard cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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