Personal loans in Carrollton, TX

A 2020-to-2023 comparison shows Carrollton down by about 0.4%. Verify the lender's Texas licence against the regulator named below before borrowing in Carrollton. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Carrollton's 132,918 residents. The next larger city is Lewisville, TX about 6 miles away.

Local context for Carrollton

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

• Population: the Census counts 132,918 residents in Carrollton (Vintage 2023 subcounty estimate), the 27th-largest figure among Texas's 1,224 places.
• Population trend: A drop of about 0.4% from 2020 to 2023.
• People gained or lost: about 517 fewer since the 2020 base.
• Size percentile: roughly 98% of Texas places rank below Carrollton.
• Density: roughly 3,626 residents per square mile, spread over 36.7 sq mi of land.
• Land area rank: Carrollton's 36.7 square miles rank 64th of 1,224 places in Texas.
• Water: Carrollton holds about 0.77 square miles, the 80th-largest water area in Texas.
• Within Texas: about 0.6% of the state's population lives in Carrollton.
• National rank: Carrollton sits 213th by population among the 19,457 places in this dataset.
• Growth rank: Carrollton's 2020-to-2023 change ranks 904th of 1,224 places in Texas.
• Against the state trend: Carrollton's 0.4% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Carrollton ranks 41st by people per square mile.
• Against the state median: Carrollton runs about 3,626 residents per square mile, where the Texas median is 840.
• Location: 32.9894, -96.8999 (Census Gazetteer coordinates).
• Nearest larger cities: Lewisville (6 mi); Plano (10 mi); Irving (10 mi); Frisco (12 mi); Dallas (16 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Hebron (4 mi); Addison (4 mi); Farmers Branch (4 mi).
• Smaller places within 50 miles: 183 of them.
• At 100 miles: 12 larger Census places fall inside that radius.

Steps to take before a Carrollton loan

These steps shape the offer you get in Carrollton, a place of about 132,918 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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. Look the lender up in the Texas regulator's licence records before you sign.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

In Carrollton as elsewhere in Texas, the written terms — not the advertisement — are what count for its 132,918 residents.

How lenders reach Carrollton

Carrollton is a fairly dense community of about 132,918 people, with 12 larger places inside a 50-mile radius. A Texas licence lets a lender serve Carrollton without a local office, so branch density does not change what its 132,918 residents are offered. The nearest bigger place is Lewisville, TX about 6 miles away.

Land, water and location for Carrollton

Carrollton covers about 36.7 square miles of land, with 0.77 square miles of water inside its boundaries (Census Gazetteer). With 132,918 residents, the land area yields roughly 3,626 people per square mile. For the state's biggest city, Houston, the distance is roughly 239 miles. A 50-mile radius around Carrollton takes in 12 places that are larger. Within the same 50 miles lie 183 smaller Census places.

Where Carrollton sits in Texas

Carrollton is the 27th-largest of 1,224 Census places in Texas and contains about 0.6% of the state's people. On the 2020-to-2023 trend, Carrollton stands 904th among Texas's 1,224 places — roughly the 26th percentile. Its roughly 3,626 residents per square mile place it 41st among Texas's places. Within 50 miles sit 183 smaller Census places, alongside the 12 that are larger.

Which Texas laws govern a loan in Carrollton

This table holds the Texas rate and licensing rules for consumer loans made to Carrollton's 132,918 residents.