Ivanhoe at a glance
- Population: the Census estimates 1,377 residents, ranking 712th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 1,330 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: up roughly 3.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Texas places: 712th in population of 1,224 places (US Census Bureau).
- Size percentile: about 42% of places in Texas are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 30.6796, -94.4140.
- Nearest larger cities: Woodville, TX (7 mi); Kountze, TX (22 mi); Silsbee, TX (27 mi); Jasper, TX (30 mi); Kirbyville, TX (31 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Colmesneil, TX (16 mi); Chester, TX (20 mi); Seven Oaks, TX (29 mi), each a US Census place.
What a personal loan costs in Ivanhoe
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Ivanhoe
The sourced rows below are the rules a licensed lender must follow when lending in Texas, and therefore in Ivanhoe.
| 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 Ivanhoe
Before you commit to a personal loan in Ivanhoe, 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.