Van Alstyne at a glance
- Population: a Census-estimated 6,782, placing it 314th among Texas's 1,224 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 4,405 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 54.0% growth over the 2020 Census base (US Census Bureau).
- Rank among Texas places: 314th of the state's 1,224 Census places (US Census Bureau).
- Size percentile: it is larger than about 74% of the places in Texas (US Census Bureau).
- Coordinates: 33.4217, -96.5832 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Anna, TX (5 mi); Melissa, TX (9 mi); Celina, TX (14 mi); Sherman, TX (15 mi); McKinney, TX (16 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Howe, TX (6 mi); Weston, TX (8 mi); Tom Bean, TX (9 mi) (US Census Bureau).
What a personal loan costs in Van Alstyne
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Texas lending rules that apply in Van Alstyne
The table lists the Texas rules that apply to a loan made in Van Alstyne, 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 Van Alstyne
The steps below are worth completing first when you borrow in Van Alstyne:
- 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.