Personal loans in Broaddus, TX

For a bigger market, look to Zavalla, TX about 13 miles away. Broaddus shed about 1.1% of its population between the 2020 base and the 2023 estimate. Rate ceilings, licensing requirements and product limits for Broaddus are all set at the Texas level. For a community of about 182, the practical step is to compare APR across at least three lenders before committing.

Broaddus: the sourced local profile

Most of what governs a Broaddus loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

• Population: a Census-estimated 182, 1,169th among Texas's 1,224 places (Vintage 2023).
• Population trend: A drop of about 1.1% from 2020 to 2023.
• Net change: roughly 2 fewer people than the 2020 Census counted.
• Size percentile: roughly 4% of Texas's places have fewer residents than Broaddus's 182.
• Land and density: 0.4 square miles of land carry roughly 488 residents per square mile.
• Land area: Broaddus covers 0.4 square miles, the 1,186th-largest area among Texas's 1,224 places.
• Share of Texas: Broaddus holds about 0.0% of the state's population, some 182 people.
• National rank: Broaddus is the 16,750th most populous of the 19,457 Census places covered here.
• Growth in Texas: Broaddus stands 975th by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Broaddus's 1.1% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Broaddus places 888th among Texas's places by people per square mile.
• Against the state median: Broaddus runs about 488 residents per square mile, where the Texas median is 840.
• Location: 31.3050 / -94.2700, per the US Census Bureau Gazetteer.
• Nearest larger cities: Zavalla (13 mi); Chireno (14 mi); Pineland (18 mi); San Augustine (18 mi); Huntington (18 mi). Living near a larger metro rarely changes what is available in Broaddus.
• Smaller towns nearby: Browndell (21 mi); Seven Oaks (47 mi); Stanley (50 mi).
• Smaller places within 50 miles: 3 of them.
• Larger places within 100 miles: 184.

Borrowing reach in Broaddus

At roughly 488 people per square mile, Broaddus is lightly settled; 35 larger places lie within 50 miles. Whether Broaddus has a local branch or not, a Texas-licensed lender can serve its 182 people online on the same terms. For a larger market, the closest option is Zavalla, TX about 13 miles away.

Broaddus in state context

Set beside Texas's 1,224 places, Broaddus ranks 1,169th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Broaddus stands 975th among Texas's 1,224 places — roughly the 20th percentile. By density, at about 488 people per square mile, it ranks 888th in Texas. Within 50 miles sit 3 smaller Census places, alongside the 35 that are larger.

The anatomy of a Broaddus personal loan

Broaddus is a small community of about 182 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Broaddus. A longer term lowers the monthly payment on a Broaddus loan but raises total interest, so the smallest payment is not the cheapest loan.

How Texas law applies in Broaddus

The rows below set out what a licensed lender must follow in Texas, and so for Broaddus's roughly 182 residents.

Before you apply in Broaddus

For Broaddus's roughly 182 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the Texas regulator's licence records before you sign.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Broaddus-specific: the same Texas licensing and disclosure rules reach all 182 residents.