Personal loans in Krum, TX

By population, Krum sits at 320th in Texas, with an estimated 6,548 residents. The nearest larger metro is Denton, TX about 6 miles away. Lenders active in Krum report to a Texas supervisor, identified in the sourced rows below. If debt is already a strain, a nonprofit credit counsellor can help Krum residents before they take on more.

The Krum data picture

What follows is Krum's place in the Census record, alongside the Texas rules that govern a personal loan made here.

• Population: an estimated 6,548 residents, 320th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 19.3% between 2020 and 2023.
• Absolute change: 1,058 residents added between 2020 and 2023.
• Size percentile: roughly 74% of Texas places rank below Krum.
• Population density: 2,183 people per square mile on 3.0 square miles of land.
• Land area: Krum covers 3.0 square miles, the 526th-largest area among Texas's 1,224 places.
• State share: roughly 0.0% of Texas's residents live in Krum (6,548 people).
• National rank: Krum sits 4,150th by population among the 19,457 places in this dataset.
• Growth rank: Krum's 2020-to-2023 change ranks 101st of 1,224 places in Texas.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Krum's 19.3%.
• Density rank: Krum places 152nd among Texas's places by people per square mile.
• Density in context: Krum's 2,183 people per square mile sit against a Texas median of 840.
• Location: the Census Gazetteer records it at 33.2650, -97.2249.
• Nearest larger cities: Denton (6 mi); Sanger (9 mi); Corinth (12 mi); Northlake (13 mi); Aubrey (15 mi). Larger metros often have more branches, but online lenders reach Krum on the same terms.
• Smaller places nearby: Ponder (8 mi); DISH (11 mi); Argyle (11 mi).
• Smaller places within 50 miles: 80 of them.
• At 100 miles: 113 larger Census places fall inside that radius.

The geography behind Krum

The Census Gazetteer records about 3.0 square miles of land within Krum, with no significant water area listed. With 6,548 residents, the land area yields roughly 2,183 people per square mile. Houston, the largest place in Texas, is about 264 miles from Krum. Counting outward 50 miles, 71 larger communities surround Krum. By land area it ranks 526th of 1,224 Texas places.

A pre-application checklist for Krum

Before you hand your details to a lender in Krum, where the population is near 6,548:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Krum-specific: the same Texas licensing and disclosure rules reach all 6,548 residents.

What is available to Krum borrowers

Krum is a fairly dense community of about 6,548 people, with 71 larger places inside a 50-mile radius. Whether Krum has a local branch or not, a Texas-licensed lender can serve its 6,548 people online on the same terms. For a larger market, the closest option is Denton, TX about 6 miles away.

What Texas law requires in Krum

Below are the Texas rules that apply to a loan made in Krum, each with the regulator that issued it.

Inside a Krum personal loan

In Krum, a small town of about 6,548, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Krum lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Krum loan but raises total interest, so the smallest payment is not the cheapest loan.