Avery at a glance
- Population: a Census-estimated 435, placing it 1,014th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 423 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 2.8% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,014th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 17% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.5512, -94.7801.
- Nearest larger cities within 120 miles: De Kalb, TX (10 mi); Clarksville, TX (16 mi); New Boston, TX (22 mi); Talco, TX (23 mi); Idabel, OK (25 mi) (US Census Bureau).
- Nearest smaller towns: Annona, TX (8 mi); Haworth, OK (21 mi); Garvin, OK (29 mi) (US Census Bureau).
What a personal loan costs in Avery
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Avery
Read the table as the compliance picture for a lender serving Avery: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| Payday lending status | Legal 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 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 |
| 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 |
| 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 to compare offers in Avery
These steps are the ones that most affect the offer you receive in Avery:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.