Personal loans in Campbell, TX
A lender serving Campbell holds a Texas licence and answers to a Texas regulator; no city office is involved for its 591 residents. About 591 people live in Campbell, placing it 939th of 1,224 Census places in Texas.
The closest larger place is Cumby, TX about 7 miles away. The 2020 count to the 2023 estimate shows about 8.8% growth in Campbell. Lenders active in Campbell report to a Texas supervisor, identified in the sourced rows below. Compare APR, not the interest rate, because the APR folds in most fees on a Campbell loan.
Campbell: the sourced local profile
The figures below are Campbell's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: 591 people, a figure that places Campbell 939th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 8.8% across the 2020-to-2023 comparison.
- Net change: roughly 48 more people than the 2020 Census counted.
- Size percentile: roughly 23% of Texas's places have fewer residents than Campbell's 591.
- Density: the Census land area of 1.3 sq mi holds about 443 people per square mile.
- Land area rank: Campbell's 1.3 square miles rank 906th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Campbell.
- National rank: Campbell sits 12,493rd by population among the 19,457 places in this dataset.
- Growth rank: Campbell ranks 266th among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Campbell's 8.8%.
- Density rank: Campbell places 925th among Texas's places by people per square mile.
- Density vs Texas: Campbell's 443 people per square mile compare with a state median of 840.
- Location: latitude 33.1476, longitude -95.9549 (Census Gazetteer).
- Nearest larger cities: Cumby (7 mi); Commerce (7 mi); Greenville (9 mi); Lone Oak (10 mi); Point (15 mi). Lenders licensed in the state serve Campbell whether or not they keep a local branch.
- Smaller communities within reach: Neylandville (5 mi); Hawk Cove (20 mi); Pecan Gap (21 mi).
- Smaller places within 50 miles: 21 of them.
- At 100 miles: 300 larger Census places fall inside that radius.
What a Campbell borrower is actually offered
A Campbell personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 591 residents. The APR tracks your credit score rather than Campbell's rank of 939th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Campbell decides the split between a comfortable payment and the total interest you pay.
What is available to Campbell borrowers
At roughly 443 people per square mile, Campbell is lightly settled; 82 larger places lie within 50 miles. What is available to Campbell's 591 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Cumby, TX about 7 miles away.
Before you apply in Campbell
Before you hand your details to a lender in Campbell, where the population is near 591:
- Pull your credit reports first and correct any error before a lender sees the file.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Look the lender up in the Texas regulator's licence records before you sign.
- Make sure the new payment leaves room in a budget you already keep.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
In Campbell as elsewhere in Texas, the written terms — not the advertisement — are what count for its 591 residents.
Where Campbell sits in Texas
Set beside Texas's 1,224 places, Campbell ranks 939th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Campbell stands 266th among Texas's 1,224 places — roughly the 78th percentile. By density, at about 443 people per square mile, it ranks 925th in Texas. Within 50 miles sit 21 smaller Census places, alongside the 82 that are larger.
The Texas lending rules that reach Campbell
When Texas does not publish a figure, the row links to the source instead of inventing a number; Campbell is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| 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 |
Common questions
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Does comparing loans in Campbell cost me credit score points?
Nearby places
- Neylandville, TX — population 70
- Commerce, TX — population 9,467
- Cumby, TX — population 706
- Lone Oak, TX — population 781
- Greenville, TX — population 32,717
- Point, TX — population 782
- East Tawakoni, TX — population 899
- Wolfe City, TX — population 1,454