Personal loans in Blooming Grove, TX

Two households in Blooming Grove with comparable incomes can still be offered different rates; the city's 870 residents are not the reason. The 2020 count to the 2023 estimate shows about 1.5% growth in Blooming Grove.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

The Census counts 870 people in Blooming Grove, the 842nd-largest figure among Texas's 1,224 places. Verify the lender's Texas licence against the regulator named below before borrowing in Blooming Grove. State law, not city hall, decides what a lender may do to Blooming Grove's roughly 870 residents, and a state regulator supervises it. The nearest larger metro is Italy, TX about 12 miles away.

The Blooming Grove data picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

The state rulebook for Blooming Grove

This table holds the Texas rate and licensing rules for consumer loans made to Blooming Grove's 870 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
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
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

Borrowing reach in Blooming Grove

With about 1,014 residents per square mile, Blooming Grove is moderately settled, and 72 larger Census places sit within 50 miles. Whether Blooming Grove has a local branch or not, a Texas-licensed lender can serve its 870 people online on the same terms. The nearest larger city, Italy, TX about 12 miles away.

Where Blooming Grove sits in Texas

Blooming Grove is the 842nd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Blooming Grove ranks 691st of 1,224 in Texas (about the 44th percentile). At about 1,014 people per square mile, Blooming Grove is the 504th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 13 residents.

Land, water and location for Blooming Grove

Inside Blooming Grove's boundaries lie about 0.9 square miles of land, with no significant water area recorded. Spread across it are roughly 1,014 residents per square mile. For the state's biggest city, Houston, the distance is roughly 178 miles. Counting outward 50 miles, 72 larger communities surround Blooming Grove. Within the same 50 miles lie 50 smaller Census places.

Before you apply in Blooming Grove

For Blooming Grove's roughly 870 residents, these are the steps that most influence the offer:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. Be clear on what the loan is for and how it gets repaid.
  6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Texas; what changes is your credit file, not the fact that Blooming Grove holds 870 people.

Compare personal loan offers Run the numbers first

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