Personal loans in Coleman, TX

Coleman is a small community of about 3,966 residents, and a personal loan taken out here is governed by Texas statute. Compare APR, not the interest rate, because the APR folds in most fees on a Coleman loan.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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 Census counts 3,966 people in Coleman, the 426th-largest figure among Texas's 1,224 places. Every figure below is Texas's own, applied to Coleman's 3,966 residents, with the publisher and retrieval date attached. The trend for Coleman between 2020 and 2023 is upward by roughly 1.4%. The nearest larger city is Brownwood, TX about 27 miles away.

What the Census records for Coleman

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

Lender access in Coleman

Coleman is moderately settled, with about 646 people per square mile and 6 larger places within 50 miles. Whether Coleman has a local branch or not, a Texas-licensed lender can serve its 3,966 people online on the same terms. The nearest larger city, Brownwood, TX about 27 miles away.

How personal loans work in Coleman

With roughly 3,966 residents, Coleman is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Coleman's rank of 426th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Coleman loan is knowable in advance — unlike a revolving card balance.

Coleman in state context

Set beside Texas's 1,224 places, Coleman ranks 426th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Coleman ranks 707th of 1,224 in Texas (about the 42th percentile). At about 646 people per square mile, Coleman is the 777th most densely settled place in Texas. Within 50 miles sit 22 smaller Census places, alongside the 6 that are larger.

What Texas law requires in Coleman

Below are the Texas rules that apply to a loan made in Coleman, each with the regulator that issued it.

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

Coleman on the map

Coleman's land area is about 6.1 square miles; a further 0.04 square miles is water. The resulting density is about 646 people per square mile. The state's population centre of gravity, Houston, is roughly 278 miles away. Within 50 miles of Coleman there are 6 larger Census places. By land area it ranks 322nd of 1,224 Texas places.

Compare personal loan offers Run the numbers first

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