Fruitvale at a glance
- Population: the Census estimates 515 residents, ranking 969th of 1,224 places in Texas (Vintage 2023).
- 2020 Census base: 482 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 6.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Texas places: 969th-largest of 1,224 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 21% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 32.6842, -95.8037 in the US Census Bureau Gazetteer.
- Nearest larger cities: Edgewood, TX (5 mi); Grand Saline, TX (5 mi); Canton, TX (10 mi); Wills Point, TX (12 mi); Emory, TX (13 mi), each a US Census place with its estimated population.
- Smaller places close by: Alba, TX (12 mi); Hawk Cove, TX (21 mi); Yantis, TX (21 mi) (US Census Bureau).
What a personal loan costs in Fruitvale
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Texas lending rules that apply in Fruitvale
Read the table as the compliance picture for a lender serving Fruitvale: label, sourced figure, publisher and date.
| 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 Fruitvale
A few practical steps will make the process in Fruitvale 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.