Personal loans in Hamilton, TX

For a community of about 2,997, the practical step is to compare APR across at least three lenders before committing. Rate ceilings, licensing requirements and product limits for Hamilton are all set at the Texas level. Hamilton added about 3.6% to its population between the 2020 base and the 2023 estimate. The nearest larger city is Gatesville, TX about 28 miles away.

The Hamilton data picture

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

• Population: 2,997 — Hamilton ranks 493rd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 3.6% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 104 residents.
• Size percentile: roughly 60% of Texas places rank below Hamilton.
• Land and density: 3.5 square miles of land carry roughly 864 residents per square mile.
• Land area: Hamilton covers 3.5 square miles, the 491st-largest area among Texas's 1,224 places.
• Water: Hamilton holds about 0.07 square miles, the 265th-largest water area in Texas.
• Within Texas: about 0.0% of the state's population lives in Hamilton.
• National rank: Hamilton sits 6,289th by population among the 19,457 places in this dataset.
• Growth rank: Hamilton ranks 528th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Hamilton moved 3.6%.
• Density rank: Hamilton is the 597th most densely settled place in Texas.
• Against the state median: Hamilton runs about 864 residents per square mile, where the Texas median is 840.
• Location: 31.7004 / -98.1197, per the US Census Bureau Gazetteer.
• Nearest larger cities: Gatesville (28 mi); Dublin (30 mi); Comanche (32 mi); Clifton (32 mi); Stephenville (36 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Evant (16 mi); Cranfills Gap (18 mi); Gustine (19 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 21 smaller Census places.
• Within 100 miles: 106 places are larger than Hamilton.

Inside a Hamilton personal loan

With roughly 2,997 residents, Hamilton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Hamilton's rank of 493rd in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Hamilton loan but raises total interest, so the smallest payment is not the cheapest loan.

Hamilton in state context

Hamilton is the 493rd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 528th of 1,224 Texas places, putting it near the 57th percentile for growth. At about 864 people per square mile, Hamilton is the 597th most densely settled place in Texas. Within 50 miles sit 21 smaller Census places, alongside the 11 that are larger.

The Hamilton borrowing checklist

These steps shape the offer you get in Hamilton, a place of about 2,997 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Texas licence by checking the regulator named above.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Hamilton and the rest of Texas is not the process but the borrower's own file, among the 2,997 people here.

Land, water and location for Hamilton

The Census Gazetteer records 3.5 square miles of land and 0.07 square miles of water within Hamilton. The resulting density is about 864 people per square mile. The largest place in Texas, Houston, lies about 209 miles away. Counting outward 50 miles, 11 larger communities surround Hamilton. By land area it ranks 491st of 1,224 Texas places.

Texas consumer-lending rules applied in Hamilton

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Hamilton lender must follow.