Hallettsville at a glance
- Population: 2,756 people, the 516th-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,722 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 516th of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 58% of the Census places in Texas (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 29.4431, -96.9435.
- Nearest larger cities: Yoakum, TX (16 mi); Schulenburg, TX (17 mi); Columbus, TX (29 mi); Gonzales, TX (31 mi); Cuero, TX (31 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Shiner, TX (14 mi); Moulton, TX (15 mi); Flatonia, TX (20 mi) — US Census Bureau populations.
What a personal loan costs in Hallettsville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Texas lending rules that apply in Hallettsville
Read the table as the compliance picture for a lender serving Hallettsville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hallettsville
Here is a short checklist for comparing personal loans in Hallettsville:
- 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.