Everman at a glance
- Population: about 5,941 residents, ranking 340th of 1,224 Census places in Texas (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 6,155 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 3.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Texas places: 340th largest of 1,224 (US Census Bureau).
- Size percentile: it exceeds roughly 72% of Texas's Census places by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 32.6288, -97.2842.
- Nearest larger cities: Forest Hill, TX (3 mi); Kennedale, TX (4 mi); Crowley, TX (6 mi); Burleson, TX (8 mi); Mansfield, TX (10 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Edgecliff Village, TX (4 mi); Dalworthington Gardens, TX (8 mi); Briaroaks, TX (9 mi) (Census populations).
What a personal loan costs in Everman
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.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Everman
The table lists the Texas rules that apply to a loan made in Everman, each with the regulator that published it.
| 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 Everman
Here is a short checklist for comparing personal loans in Everman:
- 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.