Personal loans in Hico, TX

With an estimated 1,460 residents, Hico is the 693rd-largest of 1,224 places in Texas. Begin with the payment, then weigh APR and total interest across the lenders that reach Hico's 1,460 residents. Lenders active in Hico report to a Texas supervisor, identified in the sourced rows below. The nearest larger city is Stephenville, TX about 19 miles away.

Local context for Hico

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

• Population: about 1,460 people live here, which puts Hico 693rd of 1,224 Census places in Texas (Vintage 2023).
• Population trend: About 9.6% above the 2020 Census base.
• Net change: roughly 128 more people than the 2020 Census counted.
• Size percentile: roughly 43% of Texas places rank below Hico.
• Population density: about 800 people per square mile across 1.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Hico ranks 770th among Texas's 1,224 places, at 1.8 sq mi.
• Within Texas: about 0.0% of the state's population lives in Hico.
• National rank: Hico is the 8,781st most populous of the 19,457 Census places covered here.
• Growth rank: Hico ranks 240th among Texas's 1,224 places for the 2020-to-2023 change.
• Against the state trend: Hico's 9.6% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Hico ranks 643rd by people per square mile.
• Against the state median: Hico runs about 800 residents per square mile, where the Texas median is 840.
• Location: 31.9851 / -98.0284, per the US Census Bureau Gazetteer.
• Nearest larger cities: Stephenville (19 mi); Dublin (20 mi); Hamilton (20 mi); Glen Rose (24 mi); Clifton (30 mi). Larger metros often have more branches, but online lenders reach Hico on the same terms.
• Smaller places close by: Iredell (9 mi); Walnut Springs (17 mi); Cranfills Gap (19 mi).
• Smaller neighbours: 25 places smaller than Hico sit within 50 miles.
• Within 100 miles: 174 places are larger than Hico.

What Texas law requires in Hico

This table holds the Texas rate and licensing rules for consumer loans made to Hico's 1,460 residents.

Land, water and location for Hico

Hico's land area is roughly 1.8 square miles, and the Gazetteer records no significant water area within it. With 1,460 residents, the land area yields roughly 800 people per square mile. Houston, the largest place in Texas, is about 218 miles from Hico. Hico has 16 larger places within a 50-mile radius. By land area it ranks 770th of 1,224 Texas places.

What to do before borrowing in Hico

For Hico's roughly 1,460 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
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. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Hico and the rest of Texas is not the process but the borrower's own file, among the 1,460 people here.

Inside a Hico personal loan

In Hico, a small community of about 1,460, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Hico loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Hico loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Hico in state context

Within Texas, Hico holds roughly 0.0% of all residents, the 693rd-largest share among 1,224 places. For population change between 2020 and 2023, Hico ranks 240th of 1,224 in Texas (about the 80th percentile). Its roughly 800 residents per square mile place it 643rd among Texas's places. By land area, its 1.8 square miles rank 770th of 1,224 places in Texas.