Personal loans in Briaroaks, TX
Briaroaks is one of 1,224 Census places in Texas; its 506 residents put it at 978th. Briaroaks is a small community of about 506 residents, and a personal loan taken out here is governed by Texas statute.
Price two or three terms so you can see which payment is truly affordable in Briaroaks. Lenders active in Briaroaks report to a Texas supervisor, identified in the sourced rows below. A 2020-to-2023 comparison shows Briaroaks up by about 1.0%. The nearest larger metro is Burleson, TX about 2 miles away.
The Briaroaks data picture
What follows is Briaroaks's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: 506 — Briaroaks ranks 978th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 1.0% across the 2020-to-2023 comparison.
- Net change: roughly 5 more people than the 2020 Census counted.
- Size percentile: bigger than about 20% of the places in Texas, with 506 residents in Briaroaks.
- Density: the Census land area of 1.1 sq mi holds about 454 people per square mile.
- Land area: Briaroaks covers 1.1 square miles, the 967th-largest area among Texas's 1,224 places.
- Share of state population: Briaroaks's 506 residents are about 0.0% of Texas.
- National standing: Briaroaks ranks 13,115th of 19,457 US places.
- Growth rank: Briaroaks's 2020-to-2023 change ranks 753rd of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Briaroaks moved 1.0%.
- Density in Texas: Briaroaks ranks 916th by people per square mile.
- Density vs Texas: Briaroaks's 454 people per square mile compare with a state median of 840.
- Location: latitude 32.4954, longitude -97.3033 (Census Gazetteer).
- Nearest larger cities: Burleson (2 mi); Joshua (5 mi); Crowley (6 mi); Keene (7 mi); Alvarado (8 mi). Living near a larger metro rarely changes what is available in Briaroaks.
- Smaller places nearby: Cross Timber (2 mi); Coyote Flats (10 mi); Covington (22 mi).
- Within a 50-mile radius: 24 smaller Census places.
- Larger places within 100 miles: 302.
Steps to take before a Briaroaks loan
These steps shape the offer you get in Briaroaks, a place of about 506 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Look the lender up in the Texas regulator's licence records before you sign.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Test the payment against your current bills before you commit.
In Briaroaks as elsewhere in Texas, the written terms — not the advertisement — are what count for its 506 residents.
The Texas lending rules that reach Briaroaks
For the roughly 506 residents of Briaroaks, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Payday lending status | Legal 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 |
Briaroaks against the rest of Texas
Set beside Texas's 1,224 places, Briaroaks ranks 978th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Briaroaks ranks 753rd of 1,224 in Texas (about the 38th percentile). By density, at about 454 people per square mile, it ranks 916th in Texas. The population moved by about 5 people between 2020 and 2023, a 1.0% shift.
What a Briaroaks borrower is actually offered
Briaroaks is a small community of about 506 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Briaroaks's 506 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Briaroaks decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Briaroaks
Briaroaks's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. With 506 residents, the land area yields roughly 454 people per square mile. For the state's biggest city, Houston, the distance is roughly 219 miles. A 50-mile radius around Briaroaks takes in 130 places that are larger. By land area it ranks 967th of 1,224 Texas places.
Common questions
What are my options in Briaroaks if my credit is poor?
What loan size can I expect in Briaroaks?
Do I have to pledge anything to borrow in Briaroaks?
Does comparing loans in Briaroaks cost me credit score points?
Nearby places
- Cross Timber, TX — population 462
- Burleson, TX — population 55,220
- Joshua, TX — population 8,901
- Crowley, TX — population 19,932
- Keene, TX — population 6,860
- Alvarado, TX — population 6,225
- Everman, TX — population 5,941
- Coyote Flats, TX — population 289