Personal loans in Alma, TX

The Census estimates 406 residents in Alma, which ranks it 1,032nd of 1,224 places in Texas. For a community of about 406, the practical step is to compare APR across at least three lenders before committing. From the 2020 Census base to the 2023 estimate, the population rose by about 11.8%. The nearest larger metro is Rice, TX about 4 miles away.

Where Alma stands

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

• Population: 406 people, a figure that places Alma 1,032nd among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 11.8% since the 2020 count.
• People gained or lost: about 43 more since the 2020 base.
• Size percentile: Alma's 406 people outrank roughly 16% of the places in Texas.
• Land and density: 5.5 square miles of land carry roughly 74 residents per square mile.
• Land area: Alma covers 5.5 square miles, the 344th-largest area among Texas's 1,224 places.
• Water area rank: Alma ranks 482nd among Texas's 1,224 places, with 0.02 sq mi.
• State population share: Alma accounts for about 0.0% of everyone in Texas.
• National rank: Alma is 14,031st of 19,457 places nationwide.
• Growth rank: Alma ranks 183rd among Texas's 1,224 places for the 2020-to-2023 change.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Alma's 11.8%.
• Density rank: Alma places 1,204th among Texas's places by people per square mile.
• Against the state median: Alma runs about 74 residents per square mile, where the Texas median is 840.
• Location: 32.2762, -96.5432 (Census Gazetteer coordinates).
• Nearest larger cities: Rice (4 mi); Ennis (6 mi); Bardwell (9 mi); Garrett (9 mi); Palmer (13 mi). Online lenders reach Alma no matter how far the nearest branch is.
• Nearest smaller towns: Emhouse (8 mi); Barry (13 mi); Rosser (14 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 27 of them.
• Within 100 miles: 344 places are larger than Alma.

Which Texas laws govern a loan in Alma

For the roughly 406 residents of Alma, the rules below are Texas's own; each row carries its publisher and retrieval date.

Borrowing reach in Alma

At roughly 74 people per square mile, Alma is sparsely settled; 104 larger places lie within 50 miles. Whether Alma has a local branch or not, a Texas-licensed lender can serve its 406 people online on the same terms. The nearest bigger place is Rice, TX about 4 miles away.

A practical checklist for Alma borrowers

These steps shape the offer you get in Alma, a place of about 406 people:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Be clear on what the loan is for and how it gets repaid.

What differs between Alma and the rest of Texas is not the process but the borrower's own file, among the 406 people here.

Where Alma sits

Alma's land area is about 5.5 square miles; a further 0.02 square miles is water. With 406 residents, the land area yields roughly 74 people per square mile. The largest place in Texas, Houston, lies about 185 miles away. Counting outward 50 miles, 104 larger communities surround Alma. Within the same 50 miles lie 27 smaller Census places.

Alma against the rest of Texas

Among Texas's 1,224 places, Alma sits at 1,032nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Alma ranks 183rd of 1,224 in Texas (about the 85th percentile). At about 74 people per square mile, Alma is the 1,204th most densely settled place in Texas. The population moved by about 43 people between 2020 and 2023, a 11.8% shift.