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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Falls City if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Falls City is the same as anywhere in Texas.
What loan size can I expect in Falls City?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Falls City?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Falls City cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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