Personal loans in Iraan, TX

Iraan is a small community in Texas, with an estimated 995 residents, and every licensed lender here follows the same state rulebook. A lender that serves Iraan operates under Texas lending statutes and a Texas supervisor.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Census counts 995 people in Iraan, the 798th-largest figure among Texas's 1,224 places. Use the calculator on this page to price an amount and term before you commit in Iraan. Iraan shed about 6.0% of its population between the 2020 base and the 2023 estimate. The closest larger city is McCamey, TX about 24 miles away.

Borrowing in Iraan: the local picture

Set out below is Iraan's local context next to the state-level rules that reach every lender here.

How a Iraan personal loan is priced

With roughly 995 residents, Iraan 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 Iraan's rank of 798th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Iraan loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for Iraan

Inside Iraan's boundaries lie about 0.6 square miles of land, with no significant water area recorded. The resulting density is about 1,613 people per square mile. For the state's biggest city, Houston, the distance is roughly 396 miles. A 50-mile radius around Iraan takes in 3 places that are larger. Within the same 50 miles lie 1 smaller Census places.

Iraan against the rest of Texas

Among Texas's 1,224 places, Iraan sits at 798th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 1,208th of 1,224 Texas places, putting it near the 1th percentile for growth. By density, at about 1,613 people per square mile, it ranks 255th in Texas. In land area, Iraan ranks 1,114th among Texas's 1,224 places.

Texas consumer-lending rules applied in Iraan

When Texas does not publish a figure, the row links to the source instead of inventing a number; Iraan is bound by the same rules.

RuleDetailSource
State lending regulatorTexas Office of Consumer Credit Commissioner (OCCC)
Source says: The OCCC licenses and regulates non-depository lenders in the state of Texas.
Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
Payday lending statusLegal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393)
Source says: the credit access business that serves as the broker is the licensee in this regulated industry
Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.
Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16

What to do before borrowing in Iraan

Complete these steps first when you borrow in Iraan (995 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

In Iraan as elsewhere in Texas, the written terms — not the advertisement — are what count for its 995 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Iraan if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Iraan is the same as anywhere in Texas.
What loan size can I expect in Iraan?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Iraan?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Iraan cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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