Personal loans in Centerville, TX

With roughly 949 residents, Centerville is a small community, and the lending rules its borrowers live under are written in Texas, not by the city. A lender that serves Centerville operates under Texas lending statutes and a Texas supervisor. Use the calculator on this page to price an amount and term before you commit in Centerville. The next larger city is Buffalo, TX about 15 miles away.

Local context for Centerville

What follows is Centerville's place in the Census record, alongside the Texas rules that govern a personal loan made here.

• Population: a Census-estimated 949, 815th among Texas's 1,224 places (Vintage 2023).
• Population trend: Up about 4.4% from the 2020 Census base to the 2023 estimate.
• Absolute change: 40 residents added between 2020 and 2023.
• Size percentile: with 949 residents, Centerville is larger than about 33% of Texas's Census places.
• Density: roughly 531 residents per square mile, spread over 1.8 sq mi of land.
• By land area: Centerville ranks 776th among Texas's 1,224 places, at 1.8 sq mi.
• Share of state population: Centerville's 949 residents are about 0.0% of Texas.
• Nationally: Centerville is the 10,451st-largest of 19,457 Census places in the dataset.
• Growth in Texas: Centerville stands 473rd by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Centerville moved 4.4%.
• Density in Texas: Centerville ranks 863rd by people per square mile.
• Density vs Texas: Centerville's 531 people per square mile compare with a state median of 840.
• Location: mapped by the US Census Bureau at 31.2583, -95.9794.
• Nearest larger cities: Buffalo (15 mi); Madisonville (21 mi); Crockett (31 mi); Teague (31 mi); Fairfield (34 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Leona (7 mi); Jewett (12 mi); Marquez (16 mi).
• Smaller neighbours: 20 places smaller than Centerville sit within 50 miles.
• At 100 miles: 138 larger Census places fall inside that radius.

Inside a Centerville personal loan

Centerville is a small community of about 949 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Centerville loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Centerville loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Centerville

With about 531 residents per square mile, Centerville is moderately settled, and 17 larger Census places sit within 50 miles. A Texas licence lets a lender serve Centerville without a local office, so branch density does not change what its 949 residents are offered. For a larger market, the closest option is Buffalo, TX about 15 miles away.

Texas consumer-lending rules applied in Centerville

Texas has no separate rate rule for Centerville; the sourced rows below are what reach every lender that serves its 949 people.

The Centerville borrowing checklist

Before you apply in Centerville, a community of about 949, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Texas licence with the regulator named above before committing.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Centerville-specific: the same Texas licensing and disclosure rules reach all 949 residents.

Centerville: area, density and distance

The Census Gazetteer records about 1.8 square miles of land within Centerville, with no significant water area listed. With 949 residents, the land area yields roughly 531 people per square mile. Houston, the largest place in Texas, is about 108 miles from Centerville. A 50-mile radius around Centerville takes in 17 places that are larger. Within the same 50 miles lie 20 smaller Census places.