Personal loans in Dumas, TX

The 2020 count to the 2023 estimate shows about 1.4% decline in Dumas. Pull your credit reports and line up at least three offers before you apply from Dumas. Borrowers who want a bigger city can look to Amarillo, TX about 46 miles away. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Dumas as from the rest of the state.

Dumas: the sourced local profile

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

• Population: about 14,291 people live here, which puts Dumas 198th of 1,224 Census places in Texas (Vintage 2023).
• Population trend: A loss of roughly 1.4% between 2020 and 2023.
• Net change: roughly 209 fewer people than the 2020 Census counted.
• Size percentile: Dumas's 14,291 people outrank roughly 84% of the places in Texas.
• Population density: about 2,587 people per square mile (Census land area 5.5 sq mi).
• By land area: Dumas ranks 340th among Texas's 1,224 places, at 5.5 sq mi.
• Water: Dumas holds about 0.02 square miles, the 445th-largest water area in Texas.
• Share of Texas: Dumas holds about 0.1% of the state's population, some 14,291 people.
• National rank: Dumas is the 2,446th most populous of the 19,457 Census places covered here.
• Growth rank: Dumas ranks 1,005th among Texas's 1,224 places for the 2020-to-2023 change.
• Against the state trend: Dumas's 1.4% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Dumas is the 111th most densely settled place in Texas.
• Density vs Texas: Dumas's 2,587 people per square mile compare with a state median of 840.
• Location: it lies at 35.8620, -101.9650 in the Census Gazetteer.
• Nearest larger cities: Amarillo (46 mi); Pampa (60 mi); Canyon (60 mi); Hereford (76 mi); Liberal (100 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Cactus (13 mi); Sunray (13 mi); Channing (24 mi).
• Smaller neighbours: 17 places smaller than Dumas sit within 50 miles.
• Within 100 miles: 4 places are larger than Dumas.

What a Dumas borrower is actually offered

Dumas is a small town of about 14,291 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Dumas can be quoted different APRs on the same amount and term. Shortening the term on a Dumas loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Dumas compares across Texas

Within Texas, Dumas holds roughly 0.1% of all residents, the 198th-largest share among 1,224 places. On the 2020-to-2023 trend, Dumas stands 1,005th among Texas's 1,224 places — roughly the 18th percentile. At about 2,587 people per square mile, Dumas is the 111th most densely settled place in Texas. By land area, its 5.5 square miles rank 340th of 1,224 places in Texas.

Land, water and location for Dumas

Inside Dumas's boundaries lie roughly 5.5 square miles of land and 0.02 square miles of water. That land carries about 2,587 people per square mile. The state's population centre of gravity, Houston, is roughly 567 miles away. Within 50 miles of Dumas there are 1 larger Census places. The 100-mile radius contains 4 larger places.

A pre-application checklist for Dumas

Before you hand your details to a lender in Dumas, where the population is near 14,291:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Texas regulator's licence list.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Dumas-specific: the same Texas licensing and disclosure rules reach all 14,291 residents.

The Texas lending rules that reach Dumas

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Dumas lender must follow.