Easton at a glance
- Population: the Census estimates 507 residents, ranking 977th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 496 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.2% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 977th out of 1,224 Census places (US Census Bureau).
- Size percentile: about 20% of Texas's Census places are smaller (US Census Bureau).
- Coordinates: 32.3819, -94.5912 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Tatum, TX (6 mi); Lakeport, TX (7 mi); Hallsville, TX (8 mi); Beckville, TX (12 mi); Longview, TX (14 mi) (US Census Bureau).
- Nearest smaller communities: Warren City, TX (22 mi); Union Grove, TX (23 mi); Scottsville, TX (23 mi), each a US Census place.
What a personal loan costs in Easton
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Texas lending rules that apply in Easton
Each row below is a Texas rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Easton
Before you commit to a personal loan in Easton, work through these steps:
- 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.