Personal loans in Falls City, TX
Falls City is a small community in Texas, with an estimated 512 residents, and every licensed lender here follows the same state rulebook. The 2020 count to the 2023 estimate shows about 0.6% decline in Falls City.
An estimated 512 people make their home in Falls City, a figure that ranks 971st in Texas. If debt is already a strain, a nonprofit credit counsellor can help Falls City residents before they take on more. For the 512 people in Falls City, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Poth, TX about 7 miles away.
What the Census records for Falls City
Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.
- Population: a Census-estimated 512, 971st among Texas's 1,224 places (Vintage 2023).
- Population trend: About 0.6% below the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: Falls City's 512 people outrank roughly 21% of the places in Texas.
- Population density: 574 people per square mile on 0.9 square miles of land.
- Land area: Falls City covers 0.9 square miles, the 1,043rd-largest area among Texas's 1,224 places.
- Water area: Falls City has 0.02 square miles of water, ranking 461st of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Falls City.
- National rank: Falls City is 13,069th of 19,457 places nationwide.
- Growth rank: Falls City ranks 929th among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Falls City's 0.6% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Falls City places 833rd among Texas's places by people per square mile.
- Density in context: Falls City's 574 people per square mile sit against a Texas median of 840.
- Location: it lies at 28.9817, -98.0216 in the Census Gazetteer.
- Nearest larger cities: Poth (7 mi); Karnes City (10 mi); Floresville (14 mi); Kenedy (16 mi); Stockdale (18 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: Nordheim (25 mi); Smiley (31 mi); Christine (32 mi).
- Smaller places within 50 miles: 4 of them.
- Larger places within 100 miles: 131.
What Texas law requires in Falls City
Texas has no separate rate rule for Falls City; the sourced rows below are what reach every lender that serves its 512 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 |
| 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 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
Inside a Falls City personal loan
In Falls City, a small community of about 512, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Falls City's rank of 971st in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Falls City decides the split between a comfortable payment and the total interest you pay.
Borrowing reach in Falls City
Falls City is moderately settled, with about 574 people per square mile and 45 larger places within 50 miles. Whether Falls City has a local branch or not, a Texas-licensed lender can serve its 512 people online on the same terms. The nearest bigger place is Poth, TX about 7 miles away.
Falls City against the rest of Texas
Falls City is the 971st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 929th of 1,224 Texas places, putting it near the 24th percentile for growth. Its roughly 574 residents per square mile place it 833rd among Texas's places. Between 2020 and 2023 the count changed by roughly 3 residents.
Where Falls City sits
Falls City's land area is about 0.9 square miles; a further 0.02 square miles is water. That land carries about 574 people per square mile. Houston, the largest place in Texas, is about 168 miles from Falls City. Falls City has 45 larger places within a 50-mile radius. The 100-mile radius contains 131 larger places.
Common questions
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Nearby places
- Poth, TX — population 1,968
- Karnes City, TX — population 3,112
- Floresville, TX — population 8,306
- Kenedy, TX — population 3,403
- Stockdale, TX — population 1,470
- Runge, TX — population 946
- Nixon, TX — population 2,389
- La Vernia, TX — population 1,405