Personal loans in Barry, TX

A lender that serves Barry operates under Texas lending statutes and a Texas supervisor. In Barry, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate.

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.

With 237 residents, Barry outranks about 8% of the communities in Texas. The trend for Barry between 2020 and 2023 is upward by roughly 9.7%. Compare APR, not the interest rate, because the APR folds in most fees on a Barry loan. A larger market lies at Blooming Grove, TX about 5 miles away.

Barry by the numbers

What follows is Barry's place in the Census record, alongside the Texas rules that govern a personal loan made here.

Where Barry sits

Inside Barry's boundaries lie about 0.4 square miles of land, with no significant water area recorded. Spread across it are roughly 539 residents per square mile. The largest place in Texas, Houston, lies about 176 miles away. Counting outward 50 miles, 105 larger communities surround Barry. Within the same 50 miles lie 13 smaller Census places.

The Barry borrowing checklist

A sensible order of operations for a loan in Barry, home to about 237 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Texas licence with the regulator named above before committing.
  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.

None of these steps is Barry-specific: the same Texas licensing and disclosure rules reach all 237 residents.

Borrowing reach in Barry

Barry is moderately settled, with about 539 people per square mile and 105 larger places within 50 miles. A Texas licence lets a lender serve Barry without a local office, so branch density does not change what its 237 residents are offered. The nearest larger city, Blooming Grove, TX about 5 miles away.

What Texas law requires in Barry

The rows below set out what a licensed lender must follow in Texas, and so for Barry's roughly 237 residents.

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
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
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

Barry's place among Texas's 1,224 places

Barry is the 1,132nd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 233rd of 1,224 Texas places, putting it near the 81th percentile for growth. At about 539 people per square mile, Barry is the 857th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 21 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 Barry 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 Barry is the same as anywhere in Texas.
What loan size can I expect in Barry?
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 Barry?
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 Barry 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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