Celeste at a glance
- Population: the Census estimates 868 residents, ranking 843rd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 808 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 7.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 843rd by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 31% of Texas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.2897, -96.1945.
- Nearest larger cities: Leonard, TX (7 mi); Wolfe City, TX (9 mi); Blue Ridge, TX (12 mi); Farmersville, TX (13 mi); Greenville, TX (13 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Bailey, TX (10 mi); Neylandville, TX (12 mi); Trenton, TX (13 mi) — US Census Bureau populations.
What a personal loan costs in Celeste
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Celeste
Read the table as the compliance picture for a lender serving Celeste: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 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 |
How to compare offers in Celeste
A few practical steps will make the process in Celeste 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.