Livingston at a glance
- Population: 5,747 residents, the 350th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 5,651 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 1.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Texas places: 350th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: ahead of around 71% of Texas places in population terms (US Census Bureau).
- Coordinates: it sits at 30.7100, -94.9379 in the US Census Bureau Gazetteer.
- Nearest larger cities: Cleveland, TX (27 mi); Huntsville, TX (37 mi); Willis, TX (38 mi); Conroe, TX (42 mi); Lufkin, TX (44 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Goodrich, TX (7 mi); Seven Oaks, TX (11 mi); Onalaska, TX (13 mi) (Census populations).
What a personal loan costs in Livingston
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Texas lending rules that apply in Livingston
The table lists the Texas rules that apply to a loan made in Livingston, each with the regulator that published it.
| 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 Livingston
Before you commit to a personal loan in Livingston, 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.