Personal loans in Throckmorton, TX

An estimated 765 people make their home in Throckmorton, a figure that ranks 882nd in Texas. Census figures put the 2020-to-2023 increase in Throckmorton at about 5.7%.

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.

If you are weighing a personal loan in Throckmorton, start from the payment you can carry; its 765 residents face the same statewide rules. State law, not city hall, decides what a lender may do to Throckmorton's roughly 765 residents, and a state regulator supervises it. Price two or three terms so you can see which payment is truly affordable in Throckmorton. The closest larger city is Stamford, TX about 26 miles away.

Throckmorton by the numbers

What follows is Throckmorton's place in the Census record, alongside the Texas rules that govern a personal loan made here.

Land, water and location for Throckmorton

Throckmorton covers about 1.7 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 460 residents per square mile. For the state's biggest city, Houston, the distance is roughly 324 miles. Throckmorton has 10 larger places within a 50-mile radius. By land area it ranks 806th of 1,224 Texas places.

Where Throckmorton sits in Texas

Against Texas's other places, Throckmorton accounts for about 0.0% of the state's population and ranks 882nd of 1,224 by size. For population change between 2020 and 2023, Throckmorton ranks 397th of 1,224 in Texas (about the 68th percentile). At about 460 people per square mile, Throckmorton is the 909th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 41 residents.

A practical checklist for Throckmorton borrowers

A sensible order of operations for a loan in Throckmorton, home to about 765 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Throckmorton as elsewhere in Texas, the written terms — not the advertisement — are what count for its 765 residents.

What Texas law requires in Throckmorton

For the roughly 765 residents of Throckmorton, 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
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 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

Getting a loan in Throckmorton

At roughly 460 people per square mile, Throckmorton is lightly settled; 10 larger places lie within 50 miles. A Texas licence lets a lender serve Throckmorton without a local office, so branch density does not change what its 765 residents are offered. The nearest bigger place is Stamford, TX about 26 miles away.

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

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