Personal loans in Ames, TX

A 2020-to-2023 comparison shows Ames up by about 21.2%. Pull your credit reports and line up at least three offers before you apply from Ames. State law, not city hall, decides what a lender may do to Ames's roughly 1,137 residents, and a state regulator supervises it. A larger market lies at Liberty, TX about 3 miles away.

The Ames data picture

Two layers matter for a Ames borrower: the local population picture and Texas's consumer-lending statutes.

• Population: an estimated 1,137 residents, 769th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 21.2% more residents than the 2020 Census counted.
• Net change: roughly 199 more people than the 2020 Census counted.
• Size percentile: with 1,137 residents, Ames is larger than about 37% of Texas's Census places.
• Population density: 344 people per square mile on 3.3 square miles of land.
• By land area: Ames ranks 498th among Texas's 1,224 places, at 3.3 sq mi.
• State population share: Ames accounts for about 0.0% of everyone in Texas.
• National rank: Ames is the 9,741st most populous of the 19,457 Census places covered here.
• Growth in Texas: Ames stands 86th by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Ames moved 21.2%.
• Density rank: Ames places 1,013th among Texas's places by people per square mile.
• Density in context: Ames's 344 people per square mile sit against a Texas median of 840.
• Location: coordinates 30.0451, -94.7373 (US Census Bureau Gazetteer).
• Nearest larger cities: Liberty (3 mi); Dayton (12 mi); Old River-Winfree (13 mi); Mont Belvieu (16 mi); Anahuac (20 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Hardin (7 mi); Kenefick (7 mi); Daisetta (7 mi).
• Smaller neighbours: 18 places smaller than Ames sit within 50 miles.
• Within 100 miles: 132 places are larger than Ames.

What a Ames borrower is actually offered

A Ames personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,137 residents. A lender serving Ames's 1,137 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Ames loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Steps to take before a Ames loan

These steps shape the offer you get in Ames, a place of about 1,137 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Ames as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,137 residents.

Getting a loan in Ames

Ames is lightly settled, with about 344 people per square mile and 58 larger places within 50 miles. A Texas licence lets a lender serve Ames without a local office, so branch density does not change what its 1,137 residents are offered. The nearest larger city, Liberty, TX about 3 miles away.

Ames against the rest of Texas

Set beside Texas's 1,224 places, Ames ranks 769th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Ames stands 86th among Texas's 1,224 places — roughly the 93th percentile. At about 344 people per square mile, Ames is the 1,013th most densely settled place in Texas. By land area, its 3.3 square miles rank 498th of 1,224 places in Texas.

Texas consumer-lending rules applied in Ames

Below are the Texas rules that apply to a loan made in Ames, each with the regulator that issued it.