Personal loans in Justin, TX
With roughly 5,892 residents, Justin is a small town, and the lending rules its borrowers live under are written in Texas, not by the city. Justin ranks 341st of 1,224 places in Texas, with a population near 5,892.
Begin with the payment, then weigh APR and total interest across the lenders that reach Justin's 5,892 residents. Population in Justin climbed about 34.1% over the three years from 2020 to 2023. A lender that serves Justin operates under Texas lending statutes and a Texas supervisor. The nearest larger city is Northlake, TX about 3 miles away.
Justin by the numbers
Here is the sourced Census picture for Justin, plus the Texas lending rules that apply to a loan taken out here.
- Population: the Census counts 5,892 residents in Justin (Vintage 2023 subcounty estimate), the 341st-largest figure among Texas's 1,224 places.
- Population trend: A gain of roughly 34.1% between 2020 and 2023.
- Net change: roughly 1,499 more people than the 2020 Census counted.
- Size percentile: roughly 72% of Texas's places have fewer residents than Justin's 5,892.
- Population density: about 1,296 people per square mile across 4.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Justin's 4.5 square miles rank 398th of 1,224 places in Texas.
- Share of Texas: Justin holds about 0.0% of the state's population, some 5,892 people.
- National standing: Justin ranks 4,400th of 19,457 US places.
- Growth rank: Justin ranks 42nd among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Justin moved 34.1%.
- Density rank: Justin is the 352nd most densely settled place in Texas.
- Density vs Texas: Justin's 1,296 people per square mile compare with a state median of 840.
- Location: latitude 33.0818, longitude -97.3142 (Census Gazetteer).
- Nearest larger cities: Northlake (3 mi); Roanoke (7 mi); Trophy Club (10 mi); Keller (12 mi); Flower Mound (12 mi). Online lenders reach Justin no matter how far the nearest branch is.
- Smaller towns nearby: DISH (3 mi); Corral City (5 mi); Ponder (6 mi).
- Smaller places within 50 miles: 76 of them.
- At 100 miles: 123 larger Census places fall inside that radius.
What is available to Justin borrowers
Justin is a moderately settled community of about 5,892 people, with 91 larger places inside a 50-mile radius. A Texas licence lets a lender serve Justin without a local office, so branch density does not change what its 5,892 residents are offered. The nearest larger city, Northlake, TX about 3 miles away.
What a Justin borrower is actually offered
Most loans made to Justin's 5,892 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Justin's 5,892 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Justin loan is knowable in advance — unlike a revolving card balance.
Where Justin sits
Justin covers about 4.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,296 people per square mile. For the state's biggest city, Houston, the distance is roughly 254 miles. Within 50 miles of Justin there are 91 larger Census places. By land area it ranks 398th of 1,224 Texas places.
How Texas law applies in Justin
When Texas does not publish a figure, the row links to the source instead of inventing a number; Justin is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 |
| Small-loan / installment lender licensing | License 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 |
| 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 |
Justin against the rest of Texas
Among Texas's 1,224 places, Justin sits at 341st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Justin stands 42nd among Texas's 1,224 places — roughly the 97th percentile. Its roughly 1,296 residents per square mile place it 352nd among Texas's places. Between 2020 and 2023 the count changed by roughly 1,499 residents.
Common questions
What are my options in Justin if my credit is poor?
What loan size can I expect in Justin?
Do I have to pledge anything to borrow in Justin?
Does comparing loans in Justin cost me credit score points?
Nearby places
- DISH, TX — population 442
- Northlake, TX — population 9,453
- Corral City, TX — population 40
- Ponder, TX — population 2,757
- Roanoke, TX — population 10,798
- Haslet, TX — population 3,861
- New Fairview, TX — population 1,558
- Argyle, TX — population 5,859