Personal loans in Detroit, TX
Roughly 707 residents live in Detroit, the 901st-largest community in Texas. Detroit counts about 707 people, and what is genuinely local about borrowing here is limited — Texas law does the governing.
Use the calculator on this page to price an amount and term before you commit in Detroit. To lend to Detroit's 707 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Population in Detroit climbed about 0.1% over the three years from 2020 to 2023. Borrowers who want a bigger city can look to Blossom, TX about 7 miles away.
Detroit: the sourced local profile
What follows is Detroit's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: the Census counts 707 residents in Detroit (Vintage 2023 subcounty estimate), the 901st-largest figure among Texas's 1,224 places.
- Population trend: Higher by roughly 0.1% since the 2020 count.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: with 707 residents, Detroit is larger than about 26% of Texas's Census places.
- Population density: about 447 people per square mile across 1.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Detroit's 1.6 square miles rank 829th of 1,224 places in Texas.
- State share: roughly 0.0% of Texas's residents live in Detroit (707 people).
- National rank: Detroit sits 11,759th by population among the 19,457 places in this dataset.
- Growth rank: Detroit ranks 839th among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Detroit's 0.1% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Detroit is the 922nd most densely settled place in Texas.
- Density in context: Detroit's 447 people per square mile sit against a Texas median of 840.
- Location: mapped by the US Census Bureau at 33.6602, -95.2664.
- Nearest larger cities: Blossom (7 mi); Reno (12 mi); Clarksville (13 mi); Bogata (14 mi); Paris (16 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Sun Valley (9 mi); Deport (10 mi); Annona (21 mi).
- Within a 50-mile radius: 26 smaller Census places.
- Larger places within 100 miles: 172.
Getting a loan in Detroit
With about 447 residents per square mile, Detroit is lightly settled, and 22 larger Census places sit within 50 miles. Distance to a branch rarely matters for Detroit's 707 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Blossom, TX about 7 miles away.
Detroit on the map
Detroit's land area is roughly 1.6 square miles, and the Gazetteer records no significant water area within it. With 707 residents, the land area yields roughly 447 people per square mile. The state's population centre of gravity, Houston, is roughly 268 miles away. A 50-mile radius around Detroit takes in 22 places that are larger. By land area it ranks 829th of 1,224 Texas places.
The state rulebook for Detroit
Texas has no separate rate rule for Detroit; the sourced rows below are what reach every lender that serves its 707 people.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 licensing | License 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 |
How a Detroit personal loan is priced
In Detroit, a small community of about 707, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Detroit lender to disclose the APR and finance charge before you sign. The term you choose in Detroit decides the split between a comfortable payment and the total interest you pay.
Detroit in state context
Within Texas, Detroit holds roughly 0.0% of all residents, the 901st-largest share among 1,224 places. For population change between 2020 and 2023, Detroit ranks 839th of 1,224 in Texas (about the 31th percentile). At about 447 people per square mile, Detroit is the 922nd most densely settled place in Texas. The population moved by about 1 people between 2020 and 2023, a 0.1% shift.
Common questions
What are my options in Detroit if my credit is poor?
What loan size can I expect in Detroit?
Do I have to pledge anything to borrow in Detroit?
Does comparing loans in Detroit cost me credit score points?
Nearby places
- Blossom, TX — population 1,456
- Deport, TX — population 554
- Sun Valley, TX — population 73
- Bogata, TX — population 1,095
- Reno, TX — population 3,544
- Clarksville, TX — population 2,876
- Paris, TX — population 24,969
- Talco, TX — population 488