Personal loans in Houston, TX

With roughly 2,314,157 residents, Houston is one of the nation's largest cities, and the lending rules its borrowers live under are written in Texas, not by the city. From the 2020 Census base to the 2023 estimate, the population rose by about 0.6%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Houston loan. State law, not city hall, decides what a lender may do to Houston's roughly 2,314,157 residents, and a state regulator supervises it. There is no larger Texas city nearby — Houston is itself the state's biggest.

Houston: the sourced local profile

Houston is one of the nation's largest cities; the notes below cover its population profile and the statewide rules that apply.

• Population: about 2,314,157 people live here, which puts Houston 1st of 1,224 Census places in Texas (Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 0.6%.
• Change in people: the 2020-to-2023 comparison is a gain of about 13,324 residents.
• Size percentile: roughly 100% of Texas places rank below Houston.
• Population density: 3,612 people per square mile on 640.8 square miles of land.
• By land area: Houston ranks 1st among Texas's 1,224 places, at 640.8 sq mi.
• Water: Houston holds about 31.22 square miles, the 8th-largest water area in Texas.
• Within Texas: about 10.5% of the state's population lives in Houston.
• National standing: Houston ranks 4th of 19,457 US places.
• Growth rank: Houston ranks 794th among Texas's 1,224 places for the 2020-to-2023 change.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Houston's 0.6%.
• Density rank: Houston places 42nd among Texas's places by people per square mile.
• Density vs Texas: Houston's 3,612 people per square mile compare with a state median of 840.
• Location: 29.7857 / -95.3888, per the US Census Bureau Gazetteer.
• Smaller communities within reach: West University Place (5 mi); Hilshire Village (6 mi); Southside Place (6 mi).
• Smaller neighbours: 114 places smaller than Houston sit within 50 miles.
• At 100 miles: 0 larger Census places fall inside that radius.

What a Houston borrower is actually offered

Most loans made to Houston's 2,314,157 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Houston's 2,314,157 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Houston loan but raises total interest, so the smallest payment is not the cheapest loan.

Texas consumer-lending rules applied in Houston

These are Texas's sourced lending facts as they reach Houston's 2,314,157 residents; the state has no city-level rate rule.

Where Houston sits in Texas

Houston is the 1st-largest of 1,224 Census places in Texas and contains about 10.5% of the state's people. For population change between 2020 and 2023, Houston ranks 794th of 1,224 in Texas (about the 35th percentile). Its roughly 3,612 residents per square mile place it 42nd among Texas's places. The population moved by about 13,324 people between 2020 and 2023, a 0.6% shift.

Getting a loan in Houston

Houston is fairly dense, with about 3,612 people per square mile and 0 larger places within 50 miles. What is available to Houston's 2,314,157 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby.

The geography behind Houston

Houston covers about 640.8 square miles of land, with 31.22 square miles of water inside its boundaries (Census Gazetteer). With 2,314,157 residents, the land area yields roughly 3,612 people per square mile. Counting outward 50 miles, 0 larger communities surround Houston. Within the same 50 miles lie 114 smaller Census places.