Personal loans in Crowell, TX

The first question in Crowell is not the rate on offer but whether the payment fits; about 750 people live here under Texas lending law. Roughly 750 residents live in Crowell, the 887th-largest community 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 nearest larger metro is Quanah, TX about 22 miles away. Census figures put the 2020-to-2023 decrease in Crowell at about 2.2%. Rate ceilings, licensing requirements and product limits for Crowell are all set at the Texas level. Verify the lender's Texas licence against the regulator named below before borrowing in Crowell.

Crowell by the numbers

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

The Texas lending rules that reach Crowell

When Texas does not publish a figure, the row links to the source instead of inventing a number; Crowell 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
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

Lender access in Crowell

Crowell is a lightly settled community of about 750 people, with 11 larger places inside a 50-mile radius. Lenders licensed in Texas reach Crowell's 750 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Quanah, TX about 22 miles away.

How Crowell compares across Texas

Within Texas, Crowell holds roughly 0.0% of all residents, the 887th-largest share among 1,224 places. For population change between 2020 and 2023, Crowell ranks 1,058th of 1,224 in Texas (about the 14th percentile). Its roughly 398 residents per square mile place it 961st among Texas's places. The population moved by about 17 people between 2020 and 2023, a 2.2% shift.

Where Crowell sits

Crowell covers about 1.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 398 residents per square mile. The largest place in Texas, Houston, lies about 386 miles away. A 50-mile radius around Crowell takes in 11 places that are larger. Within the same 50 miles lie 12 smaller Census places.

Steps to take before a Crowell loan

A sensible order of operations for a loan in Crowell, home to about 750 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Crowell and the rest of Texas is not the process but the borrower's own file, among the 750 people here.

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