Personal loans in Bogata, TX
If you are weighing a personal loan in Bogata, start from the payment you can carry; its 1,095 residents face the same statewide rules. The 2020 count to the 2023 estimate shows about 1.7% growth in Bogata.
By population, Bogata sits at 777th in Texas, with an estimated 1,095 residents. Judge Bogata offers on total cost, not on how quickly the money arrives. Rate ceilings, licensing requirements and product limits for Bogata are all set at the Texas level. For a bigger market, look to Clarksville, TX about 13 miles away.
Local context for Bogata
Bogata is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 1,095 people, a figure that places Bogata 777th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.7% across the 2020-to-2023 comparison.
- People gained or lost: about 18 more since the 2020 base.
- Size percentile: about 37% of Texas communities are smaller than Bogata (1,095 residents).
- Population density: 774 people per square mile on 1.4 square miles of land.
- Land area: Bogata covers 1.4 square miles, the 884th-largest area among Texas's 1,224 places.
- State population share: Bogata accounts for about 0.0% of everyone in Texas.
- National rank: Bogata is 9,869th of 19,457 places nationwide.
- Growth in Texas: Bogata stands 678th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Bogata moved 1.7%.
- Density rank: Bogata places 657th among Texas's places by people per square mile.
- Against the state median: Bogata runs about 774 residents per square mile, where the Texas median is 840.
- Location: 33.4698, -95.2135 (US Census Bureau Gazetteer).
- Nearest larger cities: Clarksville (13 mi); Blossom (17 mi); Mount Vernon (20 mi); Reno (20 mi); Paris (24 mi). Living near a larger metro rarely changes what is available in Bogata.
- Smaller places nearby: Deport (7 mi); Talco (10 mi); Detroit (14 mi).
- Within a 50-mile radius: 29 smaller Census places.
- At 100 miles: 146 larger Census places fall inside that radius.
What Texas law requires in Bogata
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Bogata lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 licensing | License 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 |
Bogata's place among Texas's 1,224 places
Within Texas, Bogata holds roughly 0.0% of all residents, the 777th-largest share among 1,224 places. For population change between 2020 and 2023, Bogata ranks 678th of 1,224 in Texas (about the 45th percentile). At about 774 people per square mile, Bogata is the 657th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 18 residents.
A practical checklist for Bogata borrowers
Before you apply in Bogata, a community of about 1,095, work through these steps:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Texas regulator's licence list.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
What differs between Bogata and the rest of Texas is not the process but the borrower's own file, among the 1,095 people here.
Borrowing reach in Bogata
With about 774 residents per square mile, Bogata is moderately settled, and 23 larger Census places sit within 50 miles. What is available to Bogata's 1,095 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Clarksville, TX about 13 miles away.
Bogata: area, density and distance
Bogata covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,095 residents, the land area yields roughly 774 people per square mile. Houston, the largest place in Texas, is about 255 miles from Bogata. Within 50 miles of Bogata there are 23 larger Census places. The 100-mile radius contains 146 larger places.
Common questions
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Nearby places
- Deport, TX — population 554
- Talco, TX — population 488
- Detroit, TX — population 707
- Clarksville, TX — population 2,876
- Blossom, TX — population 1,456
- Mount Vernon, TX — population 2,557
- Sun Valley, TX — population 73
- Annona, TX — population 185