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.

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

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.

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.

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:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Texas regulator's records to confirm the lender is licensed here.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. 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.

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
Small-loan / installment lender licensingLicense 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.

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 Evant 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 Evant is the same as anywhere in Texas.
What loan size can I expect in Evant?
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 Evant?
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 Evant 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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