Hallsville at a glance
- Population: 4,812, the 383rd-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: 4,283 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: roughly 12.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 383rd of 1,224 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 69% of places in Texas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.4993, -94.5679.
- Nearest larger cities (within 120 miles): Longview, TX (11 mi); Marshall, TX (13 mi); White Oak, TX (17 mi); Kilgore, TX (18 mi); Gladewater, TX (22 mi) (US Census Bureau populations).
- Nearest smaller towns: Easton, TX (8 mi); Lakeport, TX (11 mi); Tatum, TX (13 mi) — US Census Bureau populations.
What a personal loan costs in Hallsville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Hallsville
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Hallsville
These steps are the ones that most affect the offer you receive in Hallsville:
- 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.