Streetman at a glance
- Population: about 267, 1,113th by size in Texas of 1,224 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 249 (US Census Bureau).
- 2020 to 2023 change: about 7.2% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 1,113th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 9% of Texas's places have fewer residents (US Census Bureau).
- Coordinates: 31.8818, -96.3326 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Richland, TX (6 mi); Eureka, TX (9 mi); Angus, TX (10 mi); Wortham, TX (10 mi); Mildred, TX (11 mi); US Census Bureau population estimates.
- Smaller places nearby: Kirvin, TX (8 mi); Navarro, TX (9 mi); Tehuacana, TX (16 mi), per US Census Bureau estimates.
What a personal loan costs in Streetman
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Streetman
The table carries the Texas rate and licensing rules that apply to consumer loans made in Streetman.
| 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 Streetman
The order below is a sensible way to approach a loan in Streetman:
- 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.