Centerville at a glance
- Population: about 949, 815th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 909 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 4.4% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 815th out of 1,224 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 33% of Texas's Census places by population (US Census Bureau).
- Coordinates: 31.2583 latitude, -95.9794 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Buffalo, TX (15 mi); Madisonville, TX (21 mi); Crockett, TX (31 mi); Teague, TX (31 mi); Fairfield, TX (34 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Leona, TX (7 mi); Jewett, TX (12 mi); Marquez, TX (16 mi) (US Census Bureau).
What a personal loan costs in Centerville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Centerville
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Centerville.
| 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 Centerville
A few practical steps will make the process in Centerville 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.