Personal loans in Jefferson, TX

The first question in Jefferson is not the rate on offer but whether the payment fits; about 1,851 people live here under Texas lending law. A lender that serves Jefferson operates under Texas lending statutes and a Texas supervisor. Decide the purpose of the loan and your repayment plan before sharing any details with a Jefferson lender. A larger market lies at Marshall, TX about 16 miles away.

Jefferson by the numbers

Two layers matter for a Jefferson borrower: the local population picture and Texas's consumer-lending statutes.

• Population: 1,851 people, a figure that places Jefferson 628th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.3% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 25 residents.
• Size percentile: with 1,851 residents, Jefferson is larger than about 49% of Texas's Census places.
• Land and density: 4.4 square miles of land carry roughly 416 residents per square mile.
• By land area: Jefferson ranks 404th among Texas's 1,224 places, at 4.4 sq mi.
• Water: Jefferson holds about 0.03 square miles, the 387th-largest water area in Texas.
• Share of state population: Jefferson's 1,851 residents are about 0.0% of Texas.
• National standing: Jefferson ranks 7,907th of 19,457 US places.
• Growth in Texas: Jefferson stands 997th by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Jefferson's 1.3% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Jefferson places 951st among Texas's places by people per square mile.
• Density in context: Jefferson's 416 people per square mile sit against a Texas median of 840.
• Location: it lies at 32.7635, -94.3508 in the Census Gazetteer.
• Nearest larger cities: Marshall (16 mi); Hallsville (22 mi); Vivian (22 mi); Waskom (26 mi); Atlanta (26 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Uncertain (13 mi); Avinger (15 mi); Scottsville (17 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 39 smaller Census places.
• Within 100 miles: 73 places are larger than Jefferson.

Jefferson on the map

Jefferson's land area is about 4.4 square miles; a further 0.03 square miles is water. Spread across it are roughly 416 residents per square mile. For the state's biggest city, Houston, the distance is roughly 215 miles. Counting outward 50 miles, 27 larger communities surround Jefferson. The 100-mile radius contains 73 larger places.

Where Jefferson sits in Texas

Jefferson is the 628th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Jefferson ranks 997th of 1,224 in Texas (about the 19th percentile). Its roughly 416 residents per square mile place it 951st among Texas's places. By land area, its 4.4 square miles rank 404th of 1,224 places in Texas.

Before you apply in Jefferson

These steps shape the offer you get in Jefferson, a place of about 1,851 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Texas regulator's licence records before you sign.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Jefferson and the rest of Texas is not the process but the borrower's own file, among the 1,851 people here.

Inside a Jefferson personal loan

In Jefferson, a small community of about 1,851, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Jefferson's 1,851 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Jefferson loan but raises total interest, so the smallest payment is not the cheapest loan.

Texas consumer-lending rules applied in Jefferson

For the roughly 1,851 residents of Jefferson, the rules below are Texas's own; each row carries its publisher and retrieval date.