Beverly Hills at a glance
- Population: 1,867 people, the 622nd-largest place among Texas's 1,224 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,877 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 0.5% lower than the 2020 Census base (US Census Bureau).
- Rank among Texas places: the 622nd-largest of 1,224 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 49% of Texas's Census places by population (US Census Bureau).
- Coordinates: 31.5223 latitude, -97.1563 longitude (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Waco, TX (3 mi); Woodway, TX (5 mi); Robinson, TX (5 mi); Hewitt, TX (5 mi); Bellmead, TX (7 mi) (US Census Bureau).
- Nearest smaller communities: Lorena, TX (10 mi); Golinda, TX (12 mi); Hallsburg, TX (12 mi) (Census populations).
What a personal loan costs in Beverly Hills
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Texas lending rules that apply in Beverly Hills
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| Small-loan / installment lender licensing | License 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 |
| 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 |
How to compare offers in Beverly Hills
Before you share your details with a lender in Beverly Hills:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Texas using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.