Personal loans in Cross Plains, TX

Read the disclosure for an origination fee and any prepayment penalty before signing in Cross Plains. From the 2020 Census base to the 2023 estimate, the population rose by about 3.7%. Lenders active in Cross Plains report to a Texas supervisor, identified in the sourced rows below. The nearest larger metro is Cisco, TX about 21 miles away.

Where Cross Plains stands

Two layers matter for a Cross Plains borrower: the local population picture and Texas's consumer-lending statutes.

• Population: 935 — Cross Plains ranks 820th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 3.7% across the 2020-to-2023 comparison.
• Net change: roughly 33 more people than the 2020 Census counted.
• Size percentile: Cross Plains's 935 people outrank roughly 33% of the places in Texas.
• Population density: about 779 people per square mile (Census land area 1.2 sq mi).
• Land area: Cross Plains covers 1.2 square miles, the 940th-largest area among Texas's 1,224 places.
• Share of Texas: Cross Plains holds about 0.0% of the state's population, some 935 people.
• National rank: Cross Plains is 10,516th of 19,457 places nationwide.
• Growth rank: Cross Plains's 2020-to-2023 change ranks 526th of 1,224 places in Texas.
• Against the state trend: Cross Plains's 3.7% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Cross Plains places 654th among Texas's places by people per square mile.
• Density in context: Cross Plains's 779 people per square mile sit against a Texas median of 840.
• Location: 32.1271 / -99.1658, per the US Census Bureau Gazetteer.
• Nearest larger cities: Cisco (21 mi); Baird (23 mi); Coleman (25 mi); Clyde (28 mi); Eastland (28 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Rising Star (12 mi); Putnam (17 mi); Carbon (22 mi), each with its own Census population profile.
• Within a 50-mile radius: 13 smaller Census places.
• Within 100 miles: 62 places are larger than Cross Plains.

How a Cross Plains personal loan is priced

With roughly 935 residents, Cross Plains is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Cross Plains's 935 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Cross Plains loan but raises total interest, so the smallest payment is not the cheapest loan.

What is available to Cross Plains borrowers

At roughly 779 people per square mile, Cross Plains is moderately settled; 19 larger places lie within 50 miles. Distance to a branch rarely matters for Cross Plains's 935 residents: the application is online and the price follows your credit file. The nearest larger city, Cisco, TX about 21 miles away.

Before you apply in Cross Plains

For Cross Plains's roughly 935 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Cross Plains as elsewhere in Texas, the written terms — not the advertisement — are what count for its 935 residents.

The state rulebook for Cross Plains

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

Where Cross Plains sits

Cross Plains's land area is roughly 1.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 779 residents per square mile. The state's population centre of gravity, Houston, is roughly 276 miles away. Counting outward 50 miles, 19 larger communities surround Cross Plains. The 100-mile radius contains 62 larger places.