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Personal loans in Three Rivers, TX

A personal loan in Three Rivers is a fixed-term installment product, and the price a lender offers you is driven by your credit profile, income and existing debts. Census data place Three Rivers's population near 1,641, the 663rd-largest among Texas's 1,224 Census places. Every lender serving Texas must observe the state's rate caps and licensing rules, shown with their sources below.

By the Personalloaned Editorial Team · Last updated 2026-09-16

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Three Rivers at a glance

  • Population: 1,641 residents, the 663rd-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
  • 2020 Census base: 1,474 residents at the 2020 Census (US Census Bureau, 2020 count).
  • 2020 to 2023 change: population rose about 11.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: 663rd out of 1,224 Census places (US Census Bureau).
  • Size percentile: about 46% of places in Texas are smaller (US Census Bureau).
  • Coordinates: 28.4669 latitude, -98.1779 longitude (US Census Bureau Gazetteer).
  • Nearest larger cities: George West, TX (10 mi); Beeville, TX (26 mi); Kenedy, TX (31 mi); Karnes City, TX (33 mi); Mathis, TX (34 mi) (Census populations, approximate straight-line distance).
  • Nearest smaller towns: Christine, TX (29 mi); Lakeside, TX (32 mi); Lake City, TX (32 mi) — US Census Bureau populations.

What a personal loan costs in Three Rivers

A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.

A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.

Texas lending rules that apply in Three Rivers

The table carries the Texas rate and licensing rules that apply to consumer loans made in Three Rivers.

RuleDetailSource
Small-loan / installment lender licensingLicense 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 regulatorTexas 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 statusLegal 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 Three Rivers

Before you commit to a personal loan in Three Rivers, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Three Rivers?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Three Rivers are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Three Rivers?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Three Rivers require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Three Rivers hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

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