Personal loans in Harlingen, TX

An estimated 71,510 people make their home in Harlingen, a figure that ranks 57th in Texas. For a bigger market, look to Brownsville, TX about 20 miles away. Every figure below is Texas's own, applied to Harlingen's 71,510 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Harlingen's 71,510 residents.

Where Harlingen stands

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: about 71,510, ranked 57th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 0.4% from 2020 to 2023.
• People gained or lost: about 314 fewer since the 2020 base.
• Size percentile: roughly 95% of Texas's places have fewer residents than Harlingen's 71,510.
• Density: the Census land area of 40.3 sq mi holds about 1,776 people per square mile.
• Land area: Harlingen covers 40.3 square miles, the 56th-largest area among Texas's 1,224 places.
• Water area: Harlingen has 0.50 square miles of water, ranking 105th of 1,224 places in Texas.
• Within Texas: about 0.3% of the state's population lives in Harlingen.
• Nationally: Harlingen is the 520th-largest of 19,457 Census places in the dataset.
• Growth rank: Harlingen's 2020-to-2023 change ranks 909th of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Harlingen moved 0.4%.
• Density rank: Harlingen places 212th among Texas's places by people per square mile.
• Density vs Texas: Harlingen's 1,776 people per square mile compare with a state median of 840.
• Location: latitude 26.1912, longitude -97.6974 (Census Gazetteer).
• Nearest larger cities: Brownsville (20 mi); Edinburg (30 mi); Pharr (31 mi); McAllen (34 mi); Mission (39 mi). Lenders licensed in the state serve Harlingen whether or not they keep a local branch.
• Nearest smaller towns: Palm Valley (4 mi); Primera (4 mi); Combes (4 mi).
• Smaller places within 50 miles: 35 of them.
• Larger places within 100 miles: 5.

The Texas lending rules that reach Harlingen

Texas has no separate rate rule for Harlingen; the sourced rows below are what reach every lender that serves its 71,510 people.

Land, water and location for Harlingen

The Census Gazetteer records 40.3 square miles of land and 0.50 square miles of water within Harlingen. That land carries about 1,776 people per square mile. The largest place in Texas, Houston, lies about 285 miles away. A 50-mile radius around Harlingen takes in 5 places that are larger. The 100-mile radius contains 5 larger places.

Lender access in Harlingen

Harlingen is a moderately settled community of about 71,510 people, with 5 larger places inside a 50-mile radius. Lenders licensed in Texas reach Harlingen's 71,510 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Brownsville, TX about 20 miles away.

Before you apply in Harlingen

Before you hand your details to a lender in Harlingen, where the population is near 71,510:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Texas licence with the regulator named above before committing.
5. Test the payment against your current bills before you commit.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Texas; what changes is your credit file, not the fact that Harlingen holds 71,510 people.

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

Against Texas's other places, Harlingen accounts for about 0.3% of the state's population and ranks 57th of 1,224 by size. Its 2020-to-2023 change ranks 909th of 1,224 Texas places, putting it near the 26th percentile for growth. At about 1,776 people per square mile, Harlingen is the 212th most densely settled place in Texas. By land area, its 40.3 square miles rank 56th of 1,224 places in Texas.