Personalloaned Compare rates

TX · city page

Personal loans in Neylandville, TX

For residents of Neylandville, a personal loan is a lump sum with a fixed repayment schedule, and its cost reflects your credit, income and debt-to-income picture. Census estimates count about 70 residents in Neylandville, making it the 1,213th-largest of 1,224 places in Texas. The sourced table below shows the Texas rate caps and licensing requirements that reach every loan made here.

By the Personalloaned Editorial Team · Last updated 2026-09-16

Compare rates Run the numbers first

Advertising disclosure: Personalloaned may receive a referral fee if you apply through a link on this page. That fee does not change the rate you are offered, and it does not change our content. We are not a lender. The lowest rates are only available to the most qualified applicants. Read the full disclosure.

Neylandville at a glance

  • Population: a Census-estimated 70, placing it 1,213th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
  • 2020 Census base: 67 people (US Census Bureau, 2020 Census count).
  • 2020 to 2023 change: population rose about 4.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
  • Rank among Texas places: the 1,213th-largest of 1,224 (US Census Bureau, 2023 estimate).
  • Size percentile: roughly 1% of Texas's places have fewer residents (US Census Bureau).
  • Coordinates: latitude 33.1955, longitude -96.0164 (US Census Bureau Gazetteer).
  • Nearest larger cities (within 120 miles): Campbell, TX (5 mi); Commerce, TX (7 mi); Greenville, TX (8 mi); Cumby, TX (11 mi); Celeste, TX (12 mi) (US Census Bureau populations).
  • Smaller towns nearby: Hendrix, OK (46 mi); Corral City, TX (71 mi); Ashland, OK (109 mi) (US Census Bureau).

What a personal loan costs in Neylandville

Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.

The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.

Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.

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 Neylandville

Each row below is a Texas rule with its publisher and the date it was retrieved.

RuleDetailSource
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 statusLegal 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 licensingLicense 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 regulatorTexas 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 Neylandville

Before you commit to a personal loan in Neylandville, work through these steps:

  1. Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
  2. Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
  3. Pre-qualify with at least three lenders and compare the APR, not the interest rate.
  4. Check that the lender is licensed in Texas using the regulator named above.
  5. Read the disclosure for origination fees and any prepayment penalty before you sign.

Common questions

Frequently asked questions

Can I get a personal loan with bad credit in Neylandville?
Yes, but expect a higher APR and possibly a smaller amount. Lenders that serve borrowers with lower scores are licensed statewide, so your options in Neylandville are the same as elsewhere in Texas.
How much can I borrow with a personal loan in Neylandville?
Loan amounts are set by each lender and depend on your income, credit and existing debts, so we do not quote a range we cannot source. The Consumer Financial Protection Bureau explains how lenders assess an application, and our personal loan calculator will model the payment for any amount before you apply.
Does a personal loan in Neylandville require collateral?
Unsecured personal loans do not require collateral. A secured loan, such as a home-equity or auto-secured loan, does — and it puts the pledged asset at risk if you default.
Will shopping for a loan in Neylandville hurt my credit?
Pre-qualification usually uses a soft credit pull that does not affect your score. A full application triggers a hard inquiry, which may lower your score by a few points temporarily.

Nearby places

Where these figures come from

Related