Personal loans in Evant, TX
Evant, Texas — home to about 458 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. Evant gained roughly 1.3% in population across the 2020-to-2023 comparison.
Evant ranks 1,002nd of 1,224 places in Texas, with a population near 458. Use the calculator on this page to price an amount and term before you commit in Evant. Lenders active in Evant report to a Texas supervisor, identified in the sourced rows below. The next larger city is Hamilton, TX about 16 miles away.
The Evant data picture
Evant is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 458 — Evant ranks 1,002nd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.3% more residents than the 2020 Census counted.
- People gained or lost: about 6 more since the 2020 base.
- Size percentile: with 458 residents, Evant is larger than about 18% of Texas's Census places.
- Population density: about 752 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Evant ranks 1,119th among Texas's 1,224 places, at 0.6 sq mi.
- State share: roughly 0.0% of Texas's residents live in Evant (458 people).
- National standing: Evant ranks 13,531st of 19,457 US places.
- Growth rank: Evant ranks 715th among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Evant's 1.3% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Evant places 674th among Texas's places by people per square mile.
- Density in context: Evant's 752 people per square mile sit against a Texas median of 840.
- Location: 31.4762 / -98.1502, per the US Census Bureau Gazetteer.
- Nearest larger cities: Hamilton (16 mi); Lometa (23 mi); Gatesville (24 mi); Goldthwaite (25 mi); Copperas Cove (28 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Cranfills Gap (28 mi); South Mountain (28 mi); Gustine (30 mi).
- Smaller places within 50 miles: 8 of them.
- Larger places within 100 miles: 168.
Evant on the map
The Census Gazetteer records about 0.6 square miles of land within Evant, with no significant water area listed. The resulting density is about 752 people per square mile. The state's population centre of gravity, Houston, is roughly 201 miles away. Counting outward 50 miles, 27 larger communities surround Evant. By land area it ranks 1,119th of 1,224 Texas places.
Before you apply in Evant
Before you hand your details to a lender in Evant, where the population is near 458:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Texas regulator's records to confirm the lender is licensed here.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
In Evant as elsewhere in Texas, the written terms — not the advertisement — are what count for its 458 residents.
How Texas law applies in Evant
Below are the Texas rules that apply to a loan made in Evant, each with the regulator that issued it.
| 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 |
| 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 |
| 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 |
Getting a loan in Evant
With about 752 residents per square mile, Evant is moderately settled, and 27 larger Census places sit within 50 miles. A Texas licence lets a lender serve Evant without a local office, so branch density does not change what its 458 residents are offered. The nearest larger city, Hamilton, TX about 16 miles away.
Evant's place among Texas's 1,224 places
Against Texas's other places, Evant accounts for about 0.0% of the state's population and ranks 1,002nd of 1,224 by size. For population change between 2020 and 2023, Evant ranks 715th of 1,224 in Texas (about the 42th percentile). At about 752 people per square mile, Evant is the 674th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 6 residents.
Common questions
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What loan size can I expect in Evant?
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Nearby places
- Hamilton, TX — population 2,997
- Lometa, TX — population 800
- Gatesville, TX — population 16,148
- Lampasas, TX — population 7,855
- Goldthwaite, TX — population 1,762
- Copperas Cove, TX — population 38,696
- Cranfills Gap, TX — population 286
- Kempner, TX — population 1,269