Bruceville-Eddy at a glance
- Population: 1,454 (US Census Bureau, Vintage 2023 subcounty estimate), the 695th-largest of 1,224 places in Texas.
- 2020 Census base: 1,429 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Texas places: 695th by size among 1,224 communities (US Census Bureau).
- Size percentile: larger than about 43% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 31.3080, -97.2574 in the US Census Bureau Gazetteer.
- Nearest larger cities: Lorena, TX (6 mi); Moody, TX (6 mi); Troy, TX (8 mi); Hewitt, TX (11 mi); McGregor, TX (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Golinda, TX (12 mi); Lott, TX (15 mi); Oglesby, TX (17 mi) (US Census Bureau).
What a personal loan costs in Bruceville-Eddy
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Texas lending rules that apply in Bruceville-Eddy
Read the table as the compliance picture for a lender serving Bruceville-Eddy: 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 Bruceville-Eddy
Before you share your details with a lender in Bruceville-Eddy:
- 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.