Personal loans in Ennis, TX

With roughly 23,686 residents, Ennis is a smaller city, and the lending rules its borrowers live under are written in Texas, not by the city. Ennis gained roughly 17.7% in population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ennis loan. The closest larger city is Waxahachie, TX about 13 miles away.

Ennis by the numbers

The figures below are Ennis's own — Census population, land area and coordinates — followed by the Texas rules.

• Population: an estimated 23,686 residents, 137th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 17.7% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 3,568 residents.
• Size percentile: bigger than about 89% of the places in Texas, with 23,686 residents in Ennis.
• Population density: 728 people per square mile on 32.5 square miles of land.
• Land area: Ennis covers 32.5 square miles, the 73rd-largest area among Texas's 1,224 places.
• Water area rank: Ennis ranks 96th among Texas's 1,224 places, with 0.55 sq mi.
• State share: roughly 0.1% of Texas's residents live in Ennis (23,686 people).
• National standing: Ennis ranks 1,649th of 19,457 US places.
• Growth in Texas: Ennis stands 114th by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Ennis's 17.7% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Ennis ranks 700th by people per square mile.
• Against the state median: Ennis runs about 728 residents per square mile, where the Texas median is 840.
• Location: latitude 32.3251, longitude -96.6338 (Census Gazetteer).
• Nearest larger cities: Waxahachie (13 mi); Corsicana (19 mi); Lancaster (20 mi); Midlothian (23 mi); DeSoto (23 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Garrett (4 mi); Bardwell (5 mi); Alma (6 mi).
• Smaller neighbours: 113 places smaller than Ennis sit within 50 miles.
• Larger places within 100 miles: 62.

The geography behind Ennis

The Census Gazetteer records 32.5 square miles of land and 0.55 square miles of water within Ennis. With 23,686 residents, the land area yields roughly 728 people per square mile. The state's population centre of gravity, Houston, is roughly 190 miles away. Within 50 miles of Ennis there are 34 larger Census places. The 100-mile radius contains 62 larger places.

How Texas law applies in Ennis

Below are the Texas rules that apply to a loan made in Ennis, each with the regulator that issued it.

Borrowing reach in Ennis

Ennis is a moderately settled community of about 23,686 people, with 34 larger places inside a 50-mile radius. Lenders licensed in Texas reach Ennis's 23,686 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Waxahachie, TX about 13 miles away.

A pre-application checklist for Ennis

Before you apply in Ennis, a community of about 23,686, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Ennis as elsewhere in Texas, the written terms — not the advertisement — are what count for its 23,686 residents.

Ennis against the rest of Texas

Within Texas, Ennis holds roughly 0.1% of all residents, the 137th-largest share among 1,224 places. Its 2020-to-2023 change ranks 114th of 1,224 Texas places, putting it near the 91th percentile for growth. At about 728 people per square mile, Ennis is the 700th most densely settled place in Texas. Within 50 miles sit 113 smaller Census places, alongside the 34 that are larger.