Rio Vista at a glance
- Population: 1,190 residents, the 759th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,048 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 13.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 759th by size among 1,224 communities (US Census Bureau).
- Size percentile: larger than about 38% of the Census places in Texas (US Census Bureau).
- Coordinates: it sits at 32.2345, -97.3748 in the US Census Bureau Gazetteer.
- Nearest larger cities: Cleburne, TX (9 mi); Keene, TX (12 mi); Grandview, TX (12 mi); Itasca, TX (14 mi); Alvarado, TX (15 mi); US Census Bureau population estimates.
- Nearest smaller communities: Blum, TX (7 mi); Covington, TX (8 mi); Coyote Flats, TX (10 mi), each a US Census place.
What a personal loan costs in Rio Vista
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Rio Vista
The table lists the Texas rules that apply to a loan made in Rio Vista, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rio Vista
Here is a short checklist for comparing personal loans in Rio Vista:
- 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.