Personal loans in Three Rivers, TX
By population, Three Rivers sits at 663rd in Texas, with an estimated 1,641 residents. A personal loan in Three Rivers is priced from your credit file and income, not from the fact that the city holds 1,641 people.
From the 2020 Census base to the 2023 estimate, the population rose by about 11.3%. Begin with the payment, then weigh APR and total interest across the lenders that reach Three Rivers's 1,641 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Three Rivers's 1,641 residents. The closest larger city is George West, TX about 10 miles away.
The Three Rivers data picture
What follows is Three Rivers's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: about 1,641 people live here, which puts Three Rivers 663rd of 1,224 Census places in Texas (Vintage 2023).
- Population trend: Higher by roughly 11.3% since the 2020 count.
- People gained or lost: about 167 more since the 2020 base.
- Size percentile: bigger than about 46% of the places in Texas, with 1,641 residents in Three Rivers.
- Density: roughly 1,122 residents per square mile, spread over 1.5 sq mi of land.
- Land area rank: Three Rivers's 1.5 square miles rank 867th of 1,224 places in Texas.
- Share of Texas: Three Rivers holds about 0.0% of the state's population, some 1,641 people.
- National rank: Three Rivers is the 8,373rd most populous of the 19,457 Census places covered here.
- Growth rank: Three Rivers's 2020-to-2023 change ranks 194th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Three Rivers moved 11.3%.
- Density rank: Three Rivers places 432nd among Texas's places by people per square mile.
- Against the state median: Three Rivers runs about 1,122 residents per square mile, where the Texas median is 840.
- Location: 28.4669, -98.1779 (Census Gazetteer coordinates).
- Nearest larger cities: George West (10 mi); Beeville (26 mi); Kenedy (31 mi); Karnes City (33 mi); Mathis (34 mi). Lenders licensed in the state serve Three Rivers whether or not they keep a local branch.
- Nearest smaller towns: Christine (29 mi); Lakeside (32 mi); Lake City (32 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 9 smaller Census places.
- Larger places within 100 miles: 76.
How a Three Rivers personal loan is priced
With roughly 1,641 residents, Three Rivers is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Three Rivers can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Three Rivers loan but raises total interest, so the smallest payment is not the cheapest loan.
Where Three Rivers sits
Three Rivers's land area is roughly 1.5 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,122 people per square mile. For the state's biggest city, Houston, the distance is roughly 191 miles. Within 50 miles of Three Rivers there are 14 larger Census places. By land area it ranks 867th of 1,224 Texas places.
Where Three Rivers sits in Texas
Among Texas's 1,224 places, Three Rivers sits at 663rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 194th of 1,224 Texas places, putting it near the 84th percentile for growth. At about 1,122 people per square mile, Three Rivers is the 432nd most densely settled place in Texas. By land area, its 1.5 square miles rank 867th of 1,224 places in Texas.
The state rulebook for Three Rivers
These are Texas's sourced lending facts as they reach Three Rivers's 1,641 residents; the state has no city-level rate rule.
| 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 |
The Three Rivers borrowing checklist
These steps shape the offer you get in Three Rivers, a place of about 1,641 people:
- 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.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the Texas regulator's licence records before you sign.
- Weigh a shorter term's higher payment against the interest it saves.
- 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 Three Rivers as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,641 residents.
Common questions
What are my options in Three Rivers if my credit is poor?
What loan size can I expect in Three Rivers?
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Does comparing loans in Three Rivers cost me credit score points?
Nearby places
- George West, TX — population 2,167
- Beeville, TX — population 13,211
- Christine, TX — population 354
- Kenedy, TX — population 3,403
- Lakeside, TX — population 354
- Lake City, TX — population 484
- Karnes City, TX — population 3,112
- Mathis, TX — population 4,285