North Cleveland at a glance
- Population: 276, the 1,105th-largest community in Texas out of 1,224 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 227 (US Census Bureau).
- 2020 to 2023 change: an increase of about 21.6% since the 2020 count (US Census Bureau).
- Rank among Texas places: 1,105th in population of 1,224 places (US Census Bureau).
- Size percentile: larger than about 10% of the Census places in Texas (US Census Bureau).
- Coordinates: 30.3625, -95.1011 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Cleveland, TX (2 mi); Splendora, TX (10 mi); Shepherd, TX (10 mi); Plum Grove, TX (11 mi); Patton Village, TX (12 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Woodloch, TX (21 mi); Dayton Lakes, TX (23 mi); Seven Oaks, TX (37 mi), per US Census Bureau estimates.
What a personal loan costs in North Cleveland
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.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Texas lending rules that apply in North Cleveland
Read the table as the compliance picture for a lender serving North Cleveland: label, sourced figure, publisher and 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 North Cleveland
Here is a short checklist for comparing personal loans in North Cleveland:
- 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.