Greenville at a glance
- Population: a Census-estimated 32,717, placing it 109th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 28,149 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 16.2% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 109th by size among 1,224 communities (US Census Bureau).
- Size percentile: it exceeds roughly 91% of Texas's Census places by population (US Census Bureau).
- Coordinates: latitude 33.1119, longitude -96.1103 (US Census Bureau Gazetteer).
- Nearest larger cities: Rockwall, TX (23 mi); Wylie, TX (25 mi); Rowlett, TX (29 mi); Forney, TX (32 mi); Allen, TX (33 mi); US Census Bureau population estimates.
- Smaller places nearby: Caddo Mills, TX (7 mi); Neylandville, TX (8 mi); Campbell, TX (9 mi), per US Census Bureau estimates.
What a personal loan costs in Greenville
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Greenville
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Greenville
A few practical steps will make the process in Greenville 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.