Personal loans in Hallsville, TX

A 2020-to-2023 comparison shows Hallsville up by about 12.4%. Hallsville is a small community in Texas, with an estimated 4,812 residents, and every licensed lender here follows the same state rulebook.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

At about 4,812 residents, Hallsville is larger than roughly 69% of the places in Texas. The closest larger place is Longview, TX about 11 miles away. Consumer lending that reaches Hallsville's 4,812 residents is governed by Texas statute; no city ordinance changes it. Verify the lender's Texas licence against the regulator named below before borrowing in Hallsville.

Hallsville: population, trend and location

Here is the sourced Census picture for Hallsville, plus the Texas lending rules that apply to a loan taken out here.

Inside a Hallsville personal loan

A Hallsville personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,812 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hallsville. The term you choose in Hallsville decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Hallsville

Hallsville's land area is roughly 4.0 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,205 people per square mile. For the state's biggest city, Houston, the distance is roughly 194 miles. Counting outward 50 miles, 13 larger communities surround Hallsville. Within the same 50 miles lie 54 smaller Census places.

Where Hallsville sits in Texas

Among Texas's 1,224 places, Hallsville sits at 383rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 175th of 1,224 Texas places, putting it near the 86th percentile for growth. By density, at about 1,205 people per square mile, it ranks 397th in Texas. In land area, Hallsville ranks 443rd among Texas's 1,224 places.

A pre-application checklist for Hallsville

Before you hand your details to a lender in Hallsville, where the population is near 4,812:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Hallsville-specific: the same Texas licensing and disclosure rules reach all 4,812 residents.

Texas consumer-lending rules applied in Hallsville

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Hallsville lender must follow.

RuleDetailSource
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 we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Hallsville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Hallsville is the same as anywhere in Texas.
What loan size can I expect in Hallsville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Hallsville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Hallsville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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