Personal loans in De Kalb, TX

Personal loans in De Kalb are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,461 population. The trend for De Kalb between 2020 and 2023 is downward by roughly 3.9%. Read the disclosure for an origination fee and any prepayment penalty before signing in De Kalb. For a bigger market, look to New Boston, TX about 12 miles away.

The De Kalb data picture

Here is the sourced Census picture for De Kalb, plus the Texas lending rules that apply to a loan taken out here.

• Population: 1,461 — De Kalb ranks 692nd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 3.9%.
• Net change: roughly 60 fewer people than the 2020 Census counted.
• Size percentile: about 43% of Texas communities are smaller than De Kalb (1,461 residents).
• Population density: 1,067 people per square mile on 1.4 square miles of land.
• Land area: De Kalb covers 1.4 square miles, the 898th-largest area among Texas's 1,224 places.
• Share of Texas: De Kalb holds about 0.0% of the state's population, some 1,461 people.
• National rank: De Kalb is the 8,776th most populous of the 19,457 Census places covered here.
• Growth rank: De Kalb ranks 1,156th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while De Kalb moved 3.9%.
• Density in Texas: De Kalb ranks 476th by people per square mile.
• Against the state median: De Kalb runs about 1,067 residents per square mile, where the Texas median is 840.
• Location: coordinates 33.5074, -94.6165 (US Census Bureau Gazetteer).
• Nearest larger cities: New Boston (12 mi); Hooks (19 mi); Clarksville (26 mi); Nash (28 mi); Wake Village (29 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Avery (10 mi); Annona (18 mi); Foreman (19 mi).
• Smaller neighbours: 44 places smaller than De Kalb sit within 50 miles.
• Within 100 miles: 79 places are larger than De Kalb.

The geography behind De Kalb

De Kalb covers about 1.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,067 people per square mile. Houston, the largest place in Texas, is about 261 miles from De Kalb. De Kalb has 18 larger places within a 50-mile radius. The 100-mile radius contains 79 larger places.

What to do before borrowing in De Kalb

Before you hand your details to a lender in De Kalb, where the population is near 1,461:

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. Get several pre-qualifications and compare APR side by side before choosing.
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. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

In De Kalb as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,461 residents.

Lender access in De Kalb

De Kalb is moderately settled, with about 1,067 people per square mile and 18 larger places within 50 miles. Lenders licensed in Texas reach De Kalb's 1,461 residents online, so the nearest branch is not what sets your APR. The nearest larger city, New Boston, TX about 12 miles away.

De Kalb in state context

Among Texas's 1,224 places, De Kalb sits at 692nd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, De Kalb stands 1,156th among Texas's 1,224 places — roughly the 6th percentile. By density, at about 1,067 people per square mile, it ranks 476th in Texas. In land area, De Kalb ranks 898th among Texas's 1,224 places.

What Texas law requires in De Kalb

The rows below set out what a licensed lender must follow in Texas, and so for De Kalb's roughly 1,461 residents.