Personal loans in Cottonwood, TX

A 2020-to-2023 comparison shows Cottonwood up by about 24.2%. Every figure below is Texas's own, applied to Cottonwood's 236 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Cottonwood lender. The next larger city is Rosser, TX about 3 miles away.

The Cottonwood data picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: 236 — Cottonwood ranks 1,133rd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 24.2% from 2020 to 2023.
• Net change: roughly 46 more people than the 2020 Census counted.
• Size percentile: about 7% of Texas's Census places are smaller than Cottonwood.
• Density: roughly 163 residents per square mile, spread over 1.4 sq mi of land.
• Land area rank: Cottonwood's 1.4 square miles rank 874th of 1,224 places in Texas.
• State share: roughly 0.0% of Texas's residents live in Cottonwood (236 people).
• National standing: Cottonwood ranks 15,950th of 19,457 US places.
• Growth rank: Cottonwood's 2020-to-2023 change ranks 67th of 1,224 places in Texas.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Cottonwood's 24.2%.
• Density in Texas: Cottonwood ranks 1,143rd by people per square mile.
• Density in context: Cottonwood's 163 people per square mile sit against a Texas median of 840.
• Location: coordinates 32.4514, -96.4004 (US Census Bureau Gazetteer).
• Nearest larger cities: Rosser (3 mi); Grays Prairie (3 mi); Scurry (4 mi); Oak Grove (7 mi); Kaufman (10 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller places: Emhouse (23 mi); Powell (24 mi); Goodlow (26 mi).
• Smaller neighbours: 11 places smaller than Cottonwood sit within 50 miles.
• At 100 miles: 386 larger Census places fall inside that radius.

Steps to take before a Cottonwood loan

Before you apply in Cottonwood, a community of about 236, work through these steps:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Cottonwood-specific: the same Texas licensing and disclosure rules reach all 236 residents.

The Texas lending rules that reach Cottonwood

This table holds the Texas rate and licensing rules for consumer loans made to Cottonwood's 236 residents.

Cottonwood on the map

The Census Gazetteer records about 1.4 square miles of land within Cottonwood, with no significant water area listed. The resulting density is about 163 people per square mile. Houston, the largest place in Texas, is about 194 miles from Cottonwood. Counting outward 50 miles, 130 larger communities surround Cottonwood. The 100-mile radius contains 386 larger places.

The anatomy of a Cottonwood personal loan

A Cottonwood personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 236 residents. A lender serving Cottonwood's 236 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Cottonwood loan but raises total interest, so the smallest payment is not the cheapest loan.

Cottonwood in state context

Among Texas's 1,224 places, Cottonwood sits at 1,133rd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Cottonwood ranks 67th of 1,224 in Texas (about the 95th percentile). Its roughly 163 residents per square mile place it 1,143rd among Texas's places. Within 50 miles sit 11 smaller Census places, alongside the 130 that are larger.