Eureka at a glance
- Population: 343 residents, the 1,066th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 311 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 10.3% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 1,066th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 13% of places in Texas are smaller (US Census Bureau).
- Coordinates: mapped at 32.0068, -96.2706 by the US Census Bureau Gazetteer.
- Nearest larger cities: Mildred, TX (4 mi); Kerens, TX (9 mi); Angus, TX (9 mi); Retreat, TX (12 mi); Corsicana, TX (13 mi); US Census Bureau population estimates.
- Nearest smaller communities: Navarro, TX (7 mi); Goodlow, TX (8 mi); Powell, TX (8 mi) (Census populations).
What a personal loan costs in Eureka
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Eureka
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Eureka
The order below is a sensible way to approach a loan in Eureka:
- 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.