Personal loans in Hays, TX

In Hays, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Consumer lending that reaches Hays's 259 residents is governed by Texas statute; no city ordinance changes it. If debt is already a strain, a nonprofit credit counsellor can help Hays residents before they take on more. The next larger city is Buda, TX about 3 miles away.

Local context for Hays

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

• Population: a Census-estimated 259, 1,116th among Texas's 1,224 places (Vintage 2023).
• Population trend: Up about 12.6% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 29 more since the 2020 base.
• Size percentile: about 9% of Texas communities are smaller than Hays (259 residents).
• Population density: 1,161 people per square mile on 0.2 square miles of land.
• By land area: Hays ranks 1,212th among Texas's 1,224 places, at 0.2 sq mi.
• State share: roughly 0.0% of Texas's residents live in Hays (259 people).
• National standing: Hays ranks 15,630th of 19,457 US places.
• Growth in Texas: Hays stands 172nd by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Hays moved 12.6%.
• Density rank: Hays is the 415th most densely settled place in Texas.
• Against the state median: Hays runs about 1,161 residents per square mile, where the Texas median is 840.
• Location: mapped by the US Census Bureau at 30.1215, -97.8724.
• Nearest larger cities: Buda (3 mi); San Leanna (4 mi); Mountain City (6 mi); Bear Creek (6 mi); Sunset Valley (8 mi). Online lenders reach Hays no matter how far the nearest branch is.
• Smaller communities close by: Staples (25 mi); Kingsbury (33 mi); Round Mountain (35 mi), each with its own Census population profile.
• Within a 50-mile radius: 4 smaller Census places.
• Within 100 miles: 182 places are larger than Hays.

The state rulebook for Hays

Read the table as a lender's compliance picture for Hays: the rule, the sourced figure, the publisher and the date.

What is available to Hays borrowers

Hays is a moderately settled community of about 259 people, with 74 larger places inside a 50-mile radius. What is available to Hays's 259 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 Buda, TX about 3 miles away.

Where Hays sits in Texas

Hays is the 1,116th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Hays stands 172nd among Texas's 1,224 places — roughly the 86th percentile. By density, at about 1,161 people per square mile, it ranks 415th in Texas. In land area, Hays ranks 1,212th among Texas's 1,224 places.

Where Hays sits

Hays's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,161 people per square mile. For the state's biggest city, Houston, the distance is roughly 150 miles. Within 50 miles of Hays there are 74 larger Census places. The 100-mile radius contains 182 larger places.

What a Hays borrower is actually offered

In Hays, a small community of about 259, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hays. Because the payment is fixed, the total cost of a Hays loan is knowable in advance — unlike a revolving card balance.