Clarksville City at a glance
- Population: roughly 785 people; 874th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 771 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 1.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Texas places: 874th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 29% of Texas's Census places by population (US Census Bureau).
- Coordinates: 32.5350, -94.8936 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: White Oak, TX (2 mi); Gladewater, TX (3 mi); East Mountain, TX (4 mi); Longview, TX (8 mi); Kilgore, TX (10 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Warren City, TX (1 mi); Union Grove, TX (3 mi); Winona, TX (17 mi) (US Census Bureau).
What a personal loan costs in Clarksville City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Texas lending rules that apply in Clarksville City
Read the table as the compliance picture for a lender serving Clarksville City: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 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 |
How to compare offers in Clarksville City
A few practical steps will make the process in Clarksville City less costly:
- 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.