Valley View at a glance
- Population: roughly 864 people; 848th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 733 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 17.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 848th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: about 31% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 33.4773, -97.1569 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Sanger, TX (7 mi); Gainesville, TX (11 mi); Lindsay, TX (12 mi); Pilot Point, TX (13 mi); Tioga, TX (14 mi) (US Census Bureau).
- Nearest smaller communities: Road Runner, TX (4 mi); Oak Ridge, TX (14 mi); Callisburg, TX (17 mi), each a US Census place.
What a personal loan costs in Valley View
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Valley View
Read the table as the compliance picture for a lender serving Valley View: label, sourced figure, publisher and date.
| 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 Valley View
Run through this list before signing anything in Valley View:
- 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.