Levelland at a glance
- Population: roughly 12,530 people; 214th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 12,651 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 1.0% since the 2020 count (US Census Bureau).
- Rank among Texas places: 214th by size among 1,224 communities (US Census Bureau).
- Size percentile: ahead of around 83% of Texas places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.5815, -102.3641.
- Nearest larger cities within 120 miles: Lubbock, TX (27 mi); Plainview, TX (56 mi); Hobbs, NM (75 mi); Clovis, NM (76 mi); Hereford, TX (86 mi) (US Census Bureau).
- Nearest smaller communities: Opdyke West, TX (4 mi); Sundown, TX (11 mi); Smyer, TX (12 mi) (Census populations).
What a personal loan costs in Levelland
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Levelland
The Texas rate caps and licensing rules that reach Levelland are listed below, each with its source and retrieval date.
| 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 Levelland
A few practical steps will make the process in Levelland 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.