Personal loans in Buffalo Gap, TX

Buffalo Gap counts about 617 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. An estimated 617 people make their home in Buffalo Gap, a figure that ranks 931st in Texas.

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.

The closest larger city is Tuscola, TX about 5 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 13.4%. A single loan can carry different costs on either side of a state line, and Buffalo Gap sits on the Texas side of that line. Read the disclosure for an origination fee and any prepayment penalty before signing in Buffalo Gap.

Local context for Buffalo Gap

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

Land, water and location for Buffalo Gap

Inside Buffalo Gap's boundaries lie about 2.4 square miles of land, with no significant water area recorded. The resulting density is about 254 people per square mile. The largest place in Texas, Houston, lies about 315 miles away. A 50-mile radius around Buffalo Gap takes in 18 places that are larger. Within the same 50 miles lie 10 smaller Census places.

Inside a Buffalo Gap personal loan

In Buffalo Gap, a small community of about 617, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Buffalo Gap. Shortening the term on a Buffalo Gap loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Buffalo Gap's place among Texas's 1,224 places

Buffalo Gap is the 931st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 160th of 1,224 Texas places, putting it near the 87th percentile for growth. At about 254 people per square mile, Buffalo Gap is the 1,080th most densely settled place in Texas. In land area, Buffalo Gap ranks 602nd among Texas's 1,224 places.

How lenders reach Buffalo Gap

At roughly 254 people per square mile, Buffalo Gap is lightly settled; 18 larger places lie within 50 miles. A Texas licence lets a lender serve Buffalo Gap without a local office, so branch density does not change what its 617 residents are offered. The nearest larger city, Tuscola, TX about 5 miles away.

What Texas law requires in Buffalo Gap

These are Texas's sourced lending facts as they reach Buffalo Gap's 617 residents; the state has no city-level rate rule.

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
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 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

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 Buffalo Gap 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 Buffalo Gap is the same as anywhere in Texas.
What loan size can I expect in Buffalo Gap?
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 Buffalo Gap?
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 Buffalo Gap 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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