Personal loans in Florence, TX

The Census estimates 1,203 residents in Florence, which ranks it 754th of 1,224 places in Texas. Judge Florence offers on total cost, not on how quickly the money arrives. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Florence's 1,203 residents. The closest larger city is Jarrell, TX about 11 miles away.

Local context for Florence

What follows is Florence's place in the Census record, alongside the Texas rules that govern a personal loan made here.

• Population: 1,203 — Florence ranks 754th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 2.3%.
• Absolute change: 27 residents added between 2020 and 2023.
• Size percentile: roughly 38% of Texas places rank below Florence.
• Population density: 1,318 people per square mile on 0.9 square miles of land.
• Land area: Florence covers 0.9 square miles, the 1,040th-largest area among Texas's 1,224 places.
• State population share: Florence accounts for about 0.0% of everyone in Texas.
• National rank: Florence sits 9,535th by population among the 19,457 places in this dataset.
• Growth in Texas: Florence stands 618th by percentage change from 2020 to 2023, among 1,224 places.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Florence's 2.3%.
• Density rank: Florence is the 342nd most densely settled place in Texas.
• Density vs Texas: Florence's 1,318 people per square mile compare with a state median of 840.
• Location: the Census Gazetteer records it at 30.8413, -97.7918.
• Nearest larger cities: Jarrell (11 mi); Georgetown (13 mi); Liberty Hill (14 mi); Killeen (17 mi); Harker Heights (17 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Weir (16 mi); Granger (22 mi); Holland (23 mi).
• Smaller neighbours: 21 places smaller than Florence sit within 50 miles.
• Larger places within 100 miles: 130.

Florence's place among Texas's 1,224 places

Within Texas, Florence holds roughly 0.0% of all residents, the 754th-largest share among 1,224 places. For population change between 2020 and 2023, Florence ranks 618th of 1,224 in Texas (about the 50th percentile). At about 1,318 people per square mile, Florence is the 342nd most densely settled place in Texas. Within 50 miles sit 21 smaller Census places, alongside the 49 that are larger.

How lenders reach Florence

Florence is moderately settled, with about 1,318 people per square mile and 49 larger places within 50 miles. What is available to Florence's 1,203 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Jarrell, TX about 11 miles away.

Before you apply in Florence

Complete these steps first when you borrow in Florence (1,203 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Texas; what changes is your credit file, not the fact that Florence holds 1,203 people.

Which Texas laws govern a loan in Florence

For the roughly 1,203 residents of Florence, the rules below are Texas's own; each row carries its publisher and retrieval date.

How a Florence personal loan is priced

In Florence, a small community of about 1,203, 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 Florence lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Florence loan but raises total interest, so the smallest payment is not the cheapest loan.