Personal loans in Three Rivers, TX

By population, Three Rivers sits at 663rd in Texas, with an estimated 1,641 residents. A personal loan in Three Rivers is priced from your credit file and income, not from the fact that the city holds 1,641 people.

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.

From the 2020 Census base to the 2023 estimate, the population rose by about 11.3%. Begin with the payment, then weigh APR and total interest across the lenders that reach Three Rivers's 1,641 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Three Rivers's 1,641 residents. The closest larger city is George West, TX about 10 miles away.

The Three Rivers data picture

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

How a Three Rivers personal loan is priced

With roughly 1,641 residents, Three Rivers is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Three Rivers can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Three Rivers loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Three Rivers sits

Three Rivers's land area is roughly 1.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,122 people per square mile. For the state's biggest city, Houston, the distance is roughly 191 miles. Within 50 miles of Three Rivers there are 14 larger Census places. By land area it ranks 867th of 1,224 Texas places.

Where Three Rivers sits in Texas

Among Texas's 1,224 places, Three Rivers sits at 663rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 194th of 1,224 Texas places, putting it near the 84th percentile for growth. At about 1,122 people per square mile, Three Rivers is the 432nd most densely settled place in Texas. By land area, its 1.5 square miles rank 867th of 1,224 places in Texas.

The state rulebook for Three Rivers

These are Texas's sourced lending facts as they reach Three Rivers's 1,641 residents; the state has no city-level rate rule.

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

The Three Rivers borrowing checklist

These steps shape the offer you get in Three Rivers, a place of about 1,641 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Three Rivers as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,641 residents.

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