Personal loans in Adrian, TX

State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Adrian's 130 residents. Roughly 130 residents live in Adrian, the 1,187th-largest community in Texas.

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.

For a borrower among the roughly 130 residents of Adrian, a personal loan is a tool whose cost turns on the terms, not the address. The 2020 count to the 2023 estimate shows about 0.8% growth in Adrian. Use the calculator on this page to price an amount and term before you commit in Adrian. For a bigger market, look to Vega, TX about 14 miles away.

Adrian: population, trend and location

Adrian is a small community; the notes below cover its population profile and the statewide rules that apply.

The Texas lending rules that reach Adrian

For the roughly 130 residents of Adrian, the rules below are Texas's own; each row carries its publisher and retrieval date.

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

Getting a loan in Adrian

Adrian is lightly settled, with about 277 people per square mile and 9 larger places within 50 miles. Distance to a branch rarely matters for Adrian's 130 residents: the application is online and the price follows your credit file. The nearest larger city, Vega, TX about 14 miles away.

What to do before borrowing in Adrian

Complete these steps first when you borrow in Adrian (130 residents):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  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. Confirm the lender holds a Texas licence by checking the regulator named above.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Adrian and the rest of Texas is not the process but the borrower's own file, among the 130 people here.

Where Adrian sits in Texas

Set beside Texas's 1,224 places, Adrian ranks 1,187th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Adrian ranks 777th of 1,224 in Texas (about the 37th percentile). At about 277 people per square mile, Adrian is the 1,056th most densely settled place in Texas. The population moved by about 1 people between 2020 and 2023, a 0.8% shift.

The geography behind Adrian

Adrian covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 277 people per square mile. The largest place in Texas, Houston, lies about 569 miles away. Counting outward 50 miles, 9 larger communities surround Adrian. The 100-mile radius contains 56 larger places.

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