Personal loans in Livingston, TX

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Livingston's 5,747 residents. At about 5,747 residents, Livingston is larger than roughly 71% of the places in Texas.

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

Compare loan offers Run the numbers first

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.

In Livingston, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Census figures put the 2020-to-2023 increase in Livingston at about 1.7%. Use the calculator on this page to price an amount and term before you commit in Livingston. Borrowers who want a bigger city can look to Cleveland, TX about 27 miles away.

Local context for Livingston

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

Land, water and location for Livingston

Livingston's land area is about 8.7 square miles; a further 0.01 square miles is water. The resulting density is about 658 people per square mile. The largest place in Texas, Houston, lies about 69 miles away. Livingston has 7 larger places within a 50-mile radius. Within the same 50 miles lie 39 smaller Census places.

Borrowing reach in Livingston

At roughly 658 people per square mile, Livingston is moderately settled; 7 larger places lie within 50 miles. Whether Livingston has a local branch or not, a Texas-licensed lender can serve its 5,747 people online on the same terms. For a larger market, the closest option is Cleveland, TX about 27 miles away.

What a Livingston borrower is actually offered

A Livingston personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 5,747 residents. Two numbers drive a Livingston loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Livingston loan is knowable in advance — unlike a revolving card balance.

Texas rules behind a Livingston personal loan

The rows below set out what a licensed lender must follow in Texas, and so for Livingston's roughly 5,747 residents.

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
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
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

A pre-application checklist for Livingston

For Livingston's roughly 5,747 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Check the disclosure for fees that raise the true cost above the quoted rate.
  7. Check that the monthly payment fits your budget next to your existing obligations.

In Livingston as elsewhere in Texas, the written terms — not the advertisement — are what count for its 5,747 residents.

Compare personal loan offers Run the numbers first

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 Livingston 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 Livingston is the same as anywhere in Texas.
What loan size can I expect in Livingston?
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 Livingston?
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 Livingston 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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