Pittsburg at a glance
- Population: about 4,515, 398th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 4,331 residents here (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 398th largest of 1,224 (US Census Bureau).
- Size percentile: roughly 67% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 32.9992, -94.9668 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Mount Pleasant, TX (11 mi); Gilmer, TX (18 mi); Gladewater, TX (32 mi); White Oak, TX (33 mi); Longview, TX (35 mi) (US Census Bureau populations).
- Nearest smaller towns: Rocky Mound, TX (3 mi); Miller's Cove, TX (14 mi); Daingerfield, TX (14 mi) (US Census Bureau).
What a personal loan costs in Pittsburg
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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 Pittsburg
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 Pittsburg
These steps are the ones that most affect the offer you receive in Pittsburg:
- 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.