Personal loans in Cranfills Gap, TX

If you are weighing a personal loan in Cranfills Gap, start from the payment you can carry; its 286 residents face the same statewide rules. Census figures put the 2020-to-2023 increase in Cranfills Gap at about 3.2%.

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.

By population, Cranfills Gap sits at 1,098th in Texas, with an estimated 286 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Cranfills Gap loan. Every figure below is Texas's own, applied to Cranfills Gap's 286 residents, with the publisher and retrieval date attached. The next larger city is Clifton, TX about 15 miles away.

What the Census records for Cranfills Gap

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

How a Cranfills Gap personal loan is priced

In Cranfills Gap, a small community of about 286, 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 Cranfills Gap. Shortening the term on a Cranfills Gap loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Cranfills Gap in state context

Among Texas's 1,224 places, Cranfills Gap sits at 1,098th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 551st of 1,224 Texas places, putting it near the 55th percentile for growth. By density, at about 394 people per square mile, it ranks 969th in Texas. The population moved by about 9 people between 2020 and 2023, a 3.2% shift.

The geography behind Cranfills Gap

Inside Cranfills Gap's boundaries lie about 0.7 square miles of land, with no significant water area recorded. The resulting density is about 394 people per square mile. Houston, the largest place in Texas, is about 200 miles from Cranfills Gap. Within 50 miles of Cranfills Gap there are 50 larger Census places. The 100-mile radius contains 265 larger places.

The Cranfills Gap borrowing checklist

Before you hand your details to a lender in Cranfills Gap, where the population is near 286:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Test the payment against your current bills before you commit.

The process is identical across Texas; what changes is your credit file, not the fact that Cranfills Gap holds 286 people.

Which Texas laws govern a loan in Cranfills Gap

Below are the Texas rules that apply to a loan made in Cranfills Gap, 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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.		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
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 Cranfills 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 Cranfills Gap is the same as anywhere in Texas.
What loan size can I expect in Cranfills 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 Cranfills 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 Cranfills 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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