Personal loans in Fritch, TX
The first question in Fritch is not the rate on offer but whether the payment fits; about 1,794 people live here under Texas lending law. The trend for Fritch between 2020 and 2023 is downward by roughly 3.3%.
With 1,794 residents, Fritch outranks about 48% of the communities in Texas. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Fritch loan. Consumer lending that reaches Fritch's 1,794 residents is governed by Texas statute; no city ordinance changes it. The closest larger city is Borger, TX about 11 miles away.
Fritch by the numbers
Two layers matter for a Fritch borrower: the local population picture and Texas's consumer-lending statutes.
- Population: the Census counts 1,794 residents in Fritch (Vintage 2023 subcounty estimate), the 641st-largest figure among Texas's 1,224 places.
- Population trend: Roughly 3.3% fewer residents than the 2020 Census counted.
- People gained or lost: about 62 fewer since the 2020 base.
- Size percentile: Fritch's 1,794 people outrank roughly 48% of the places in Texas.
- Density: roughly 1,106 residents per square mile, spread over 1.6 sq mi of land.
- Land area: Fritch covers 1.6 square miles, the 819th-largest area among Texas's 1,224 places.
- Share of state population: Fritch's 1,794 residents are about 0.0% of Texas.
- National rank: Fritch is 8,022nd of 19,457 places nationwide.
- Growth rank: Fritch's 2020-to-2023 change ranks 1,120th of 1,224 places in Texas.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Fritch's 3.3%.
- Density rank: Fritch places 442nd among Texas's places by people per square mile.
- Density in context: Fritch's 1,106 people per square mile sit against a Texas median of 840.
- Location: mapped by the US Census Bureau at 35.6431, -101.5964.
- Nearest larger cities: Borger (11 mi); Panhandle (24 mi); Dumas (26 mi); Amarillo (34 mi); Cactus (36 mi). Living near a larger metro rarely changes what is available in Fritch.
- Nearest smaller towns: Sanford (5 mi); Stinnett (15 mi); Skellytown (24 mi).
- Smaller places within 50 miles: 14 of them.
- Larger places within 100 miles: 21.
How Texas law applies in Fritch
Read the table as a lender's compliance picture for Fritch: the rule, the sourced figure, the publisher and the date.
| 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 |
Fritch against the rest of Texas
Fritch is the 641st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Fritch ranks 1,120th of 1,224 in Texas (about the 8th percentile). At about 1,106 people per square mile, Fritch is the 442nd most densely settled place in Texas. In land area, Fritch ranks 819th among Texas's 1,224 places.
How personal loans work in Fritch
A Fritch personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,794 residents. Because pricing is borrower-level, two people in Fritch can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Fritch loan but raises total interest, so the smallest payment is not the cheapest loan.
Fritch: area, density and distance
Fritch covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 1,106 residents per square mile. For the state's biggest city, Houston, the distance is roughly 542 miles. Within 50 miles of Fritch there are 8 larger Census places. By land area it ranks 819th of 1,224 Texas places.
Getting a loan in Fritch
Fritch is a moderately settled community of about 1,794 people, with 8 larger places inside a 50-mile radius. What is available to Fritch's 1,794 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Borger, TX about 11 miles away.
Common questions
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Nearby places
- Sanford, TX — population 131
- Borger, TX — population 12,115
- Stinnett, TX — population 1,613
- Panhandle, TX — population 2,358
- Dumas, TX — population 14,291
- Skellytown, TX — population 398
- Sunray, TX — population 1,709
- White Deer, TX — population 995