Personal loans in Bevil Oaks, TX

Two households in Bevil Oaks with comparable incomes can still be offered different rates; the city's 1,041 residents are not the reason. Bevil Oaks lost roughly 4.5% of its population across the 2020-to-2023 comparison.

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

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Census estimates 1,041 residents in Bevil Oaks, which ranks it 787th of 1,224 places in Texas. For a community of about 1,041, the practical step is to compare APR across at least three lenders before committing. A single loan can carry different costs on either side of a state line, and Bevil Oaks sits on the Texas side of that line. For a bigger market, look to Sour Lake, TX about 8 miles away.

What the Census records for Bevil Oaks

The figures below are Bevil Oaks's own — Census population, land area and coordinates — followed by the Texas rules.

Bevil Oaks against the rest of Texas

Against Texas's other places, Bevil Oaks accounts for about 0.0% of the state's population and ranks 787th of 1,224 by size. For population change between 2020 and 2023, Bevil Oaks ranks 1,180th of 1,224 in Texas (about the 4th percentile). By density, at about 511 people per square mile, it ranks 875th in Texas. By land area, its 2.0 square miles rank 689th of 1,224 places in Texas.

Getting a loan in Bevil Oaks

At roughly 511 people per square mile, Bevil Oaks is moderately settled; 30 larger places lie within 50 miles. Lenders licensed in Texas reach Bevil Oaks's 1,041 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Sour Lake, TX about 8 miles away.

The geography behind Bevil Oaks

Inside Bevil Oaks's boundaries lie roughly 2.0 square miles of land and 0.03 square miles of water. The resulting density is about 511 people per square mile. The largest place in Texas, Houston, lies about 72 miles away. A 50-mile radius around Bevil Oaks takes in 30 places that are larger. By land area it ranks 689th of 1,224 Texas places.

Texas rules behind a Bevil Oaks personal loan

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Bevil Oaks lender must follow.

RuleDetailSource
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
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

What to do before borrowing in Bevil Oaks

Before you hand your details to a lender in Bevil Oaks, where the population is near 1,041:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Bevil Oaks as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,041 residents.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Bevil Oaks if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bevil Oaks is the same as anywhere in Texas.
What loan size can I expect in Bevil Oaks?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Bevil Oaks?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Bevil Oaks cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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