Colleyville at a glance
- Population: the Census estimates 25,736 residents, ranking 122nd of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 26,051 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 122nd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 90% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 32.8915, -97.1497 (US Census Bureau Gazetteer).
- Nearest larger cities: Bedford, TX (3 mi); Hurst, TX (4 mi); Southlake, TX (4 mi); North Richland Hills, TX (5 mi); Euless, TX (5 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Watauga, TX (6 mi); Trophy Club, TX (7 mi); Richland Hills, TX (7 mi) (US Census Bureau estimates).
What a personal loan costs in Colleyville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
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 Colleyville
Read the table as the compliance picture for a lender serving Colleyville: 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 Colleyville
The steps below are worth completing first when you borrow in Colleyville:
- 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.