Personal loans in Hurst, TX

With roughly 39,304 residents, Hurst is a smaller city, and the lending rules its borrowers live under are written in Texas, not by the city.

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.

Hurst is home to roughly 39,304 people and stands 91st by size out of 1,224 Census places in Texas. The trend for Hurst between 2020 and 2023 is downward by roughly 2.8%. Read the disclosure for an origination fee and any prepayment penalty before signing in Hurst. The nearest larger city is Bedford, TX about 3 miles away. Which products a lender may offer to Hurst's 39,304 residents follows from the Texas consumer-lending framework.

Hurst by the numbers

Most of what governs a Hurst loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

What Texas law requires in Hurst

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Hurst lender must follow.

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
Payday lending statusLegal 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 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

The geography behind Hurst

Inside Hurst's boundaries lie roughly 10.0 square miles of land and 0.01 square miles of water. That land carries about 3,945 people per square mile. The largest place in Texas, Houston, lies about 236 miles away. Within 50 miles of Hurst there are 37 larger Census places. By land area it ranks 213th of 1,224 Texas places.

How personal loans work in Hurst

In Hurst, a smaller city of about 39,304, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Hurst's 39,304 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Hurst loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Hurst borrowers

Hurst is fairly dense, with about 3,945 people per square mile and 37 larger places within 50 miles. Distance to a branch rarely matters for Hurst's 39,304 residents: the application is online and the price follows your credit file. The nearest larger city, Bedford, TX about 3 miles away.

How Hurst compares across Texas

Set beside Texas's 1,224 places, Hurst ranks 91st by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Hurst stands 1,089th among Texas's 1,224 places — roughly the 11th percentile. Its roughly 3,945 residents per square mile place it 29th among Texas's places. Between 2020 and 2023 the count changed by roughly 1,112 residents.

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 Hurst 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 Hurst is the same as anywhere in Texas.
What loan size can I expect in Hurst?
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 Hurst?
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 Hurst 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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