Campbell at a glance
- Population: 591 — 939th in Texas, which has 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 543 residents here (US Census Bureau).
- 2020 to 2023 change: about 8.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 939th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 23% of Texas places in population terms (US Census Bureau).
- Coordinates: 33.1476, -95.9549 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Cumby, TX (7 mi); Commerce, TX (7 mi); Greenville, TX (9 mi); Lone Oak, TX (10 mi); Point, TX (15 mi) (US Census Bureau populations).
- Smaller places nearby: Neylandville, TX (5 mi); Hawk Cove, TX (20 mi); Pecan Gap, TX (21 mi), per US Census Bureau estimates.
What a personal loan costs in Campbell
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Campbell
The table carries the Texas rate and licensing rules that apply to consumer loans made in Campbell.
| 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 Campbell
A few practical steps will make the process in Campbell less costly:
- 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.