Fairview at a glance
- Population: 10,790, the 233rd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 10,372 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 4.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 233rd-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 81% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 33.1405 latitude, -96.6130 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Allen, TX (4 mi); McKinney, TX (5 mi); Princeton, TX (7 mi); Murphy, TX (9 mi); Wylie, TX (9 mi) (US Census Bureau).
- Nearest smaller communities: Lucas, TX (3 mi); Lowry Crossing, TX (4 mi); Parker, TX (6 mi) (Census populations).
What a personal loan costs in Fairview
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less 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 Fairview
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 |
|---|---|---|
| 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 Fairview
Before you commit to a personal loan in Fairview, work through these steps:
- 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.