Personal loans in Crandall, TX

The first question in Crandall is not the rate on offer but whether the payment fits; about 4,995 people live here under Texas lending law. About 4,995 people live in Crandall, placing it 377th of 1,224 Census places 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 place is Seagoville, TX about 7 miles away. Population in Crandall climbed about 29.6% over the three years from 2020 to 2023. Lenders active in Crandall report to a Texas supervisor, identified in the sourced rows below. Read the disclosure for an origination fee and any prepayment penalty before signing in Crandall.

What the Census records for Crandall

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

What to do before borrowing in Crandall

For Crandall's roughly 4,995 residents, these are the steps that most influence the offer:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Test your amount and term in the personal loan calculator first.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Crandall-specific: the same Texas licensing and disclosure rules reach all 4,995 residents.

What is available to Crandall borrowers

Crandall is moderately settled, with about 710 people per square mile and 79 larger places within 50 miles. Lenders licensed in Texas reach Crandall's 4,995 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Seagoville, TX about 7 miles away.

The geography behind Crandall

Crandall covers about 7.0 square miles of land, with 0.05 square miles of water inside its boundaries (Census Gazetteer). That land carries about 710 people per square mile. Houston, the largest place in Texas, is about 206 miles from Crandall. A 50-mile radius around Crandall takes in 79 places that are larger. The 100-mile radius contains 144 larger places.

How Crandall compares across Texas

Within Texas, Crandall holds roughly 0.0% of all residents, the 377th-largest share among 1,224 places. On the 2020-to-2023 trend, Crandall stands 51st among Texas's 1,224 places — roughly the 96th percentile. At about 710 people per square mile, Crandall is the 715th most densely settled place in Texas. By land area, its 7.0 square miles rank 287th of 1,224 places in Texas.

The state rulebook for Crandall

When Texas does not publish a figure, the row links to the source instead of inventing a number; Crandall is bound by the same rules.

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