Personal loans in Italy, TX

With roughly 2,079 residents, Italy is a small community, and the lending rules its borrowers live under are written in Texas, not by the city. Lenders active in Italy report to a Texas supervisor, identified in the sourced rows below.

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

Compare loan offers Run the numbers first

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.

Italy is one of 1,224 Census places in Texas; its 2,079 residents put it at 588th. If debt is already a strain, a nonprofit credit counsellor can help Italy residents before they take on more. Italy gained roughly 7.0% in population across the 2020-to-2023 comparison. The closest larger city is Waxahachie, TX about 15 miles away.

Where Italy stands

Italy is a small community; the notes below cover its population profile and the statewide rules that apply.

The Italy borrowing checklist

A sensible order of operations for a loan in Italy, home to about 2,079 people:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Italy-specific: the same Texas licensing and disclosure rules reach all 2,079 residents.

Where Italy sits

Italy covers about 2.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,037 people per square mile. The state's population centre of gravity, Houston, is roughly 188 miles away. A 50-mile radius around Italy takes in 64 places that are larger. Within the same 50 miles lie 70 smaller Census places.

The state rulebook for Italy

The rows below set out what a licensed lender must follow in Texas, and so for Italy's roughly 2,079 residents.

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
Maximum legal interest rate (usury cap)10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001)
Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law.		Texas Legislature (Texas Constitution and Statutes)
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

How Italy compares across Texas

Within Texas, Italy holds roughly 0.0% of all residents, the 588th-largest share among 1,224 places. Its 2020-to-2023 change ranks 322nd of 1,224 Texas places, putting it near the 74th percentile for growth. Its roughly 1,037 residents per square mile place it 492nd among Texas's places. Within 50 miles sit 70 smaller Census places, alongside the 64 that are larger.

How a Italy personal loan is priced

Italy is a small community of about 2,079 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Italy's rank of 588th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Italy loan but raises total interest, so the smallest payment is not the cheapest loan.

Compare personal loan offers Run the numbers first

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 Italy 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 Italy is the same as anywhere in Texas.
What loan size can I expect in Italy?
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 Italy?
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 Italy 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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