Personal loans in Easton, TX
Easton is a small community of about 507 residents, and a personal loan taken out here is governed by Texas statute.
For the 507 people in Easton, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. With 507 residents, Easton outranks about 20% of the communities in Texas. Work out your debt-to-income ratio first; lenders weigh it heavily, and Easton's 507 residents are no exception. The 2020 count to the 2023 estimate shows about 2.2% growth in Easton. The next larger city is Tatum, TX about 6 miles away.
Borrowing in Easton: the local picture
Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.
- Population: 507 residents; Easton is the 977th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.2% more residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a gain of about 11 residents.
- Size percentile: with 507 residents, Easton is larger than about 20% of Texas's Census places.
- Population density: 207 people per square mile on 2.4 square miles of land.
- Land area: Easton covers 2.4 square miles, the 600th-largest area among Texas's 1,224 places.
- State population share: Easton accounts for about 0.0% of everyone in Texas.
- National standing: Easton ranks 13,111th of 19,457 US places.
- Growth rank: Easton's 2020-to-2023 change ranks 621st of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Easton moved 2.2%.
- Density in Texas: Easton ranks 1,108th by people per square mile.
- Against the state median: Easton runs about 207 residents per square mile, where the Texas median is 840.
- Location: it lies at 32.3819, -94.5912 in the Census Gazetteer.
- Nearest larger cities: Tatum (6 mi); Lakeport (7 mi); Hallsville (8 mi); Beckville (12 mi); Longview (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Warren City (22 mi); Union Grove (23 mi); Scottsville (23 mi) — useful context for the surrounding area.
- Smaller neighbours: 11 places smaller than Easton sit within 50 miles.
- Larger places within 100 miles: 166.
Where Easton sits
Easton's land area is roughly 2.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 207 people per square mile. Houston, the largest place in Texas, is about 185 miles from Easton. Easton has 53 larger places within a 50-mile radius. By land area it ranks 600th of 1,224 Texas places.
Lender access in Easton
Easton is a lightly settled community of about 507 people, with 53 larger places inside a 50-mile radius. Lenders licensed in Texas reach Easton's 507 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Tatum, TX about 6 miles away.
Easton in state context
Against Texas's other places, Easton accounts for about 0.0% of the state's population and ranks 977th of 1,224 by size. On the 2020-to-2023 trend, Easton stands 621st among Texas's 1,224 places — roughly the 49th percentile. Its roughly 207 residents per square mile place it 1,108th among Texas's places. In land area, Easton ranks 600th among Texas's 1,224 places.
Texas consumer-lending rules applied in Easton
This table holds the Texas rate and licensing rules for consumer loans made to Easton's 507 residents.
| 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 |
| 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 |
Steps to take before a Easton loan
Before you hand your details to a lender in Easton, where the population is near 507:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Make sure the lender appears in the Texas regulator's licence list.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
The process is identical across Texas; what changes is your credit file, not the fact that Easton holds 507 people.
Common questions
What are my options in Easton if my credit is poor?
What loan size can I expect in Easton?
Do I have to pledge anything to borrow in Easton?
Does comparing loans in Easton cost me credit score points?
Nearby places
- Tatum, TX — population 1,377
- Hallsville, TX — population 4,812
- Lakeport, TX — population 989
- Beckville, TX — population 742
- Longview, TX — population 83,236
- Kilgore, TX — population 13,523
- Marshall, TX — population 24,118
- White Oak, TX — population 6,221