Personal loans in Linden, TX
For a borrower among the roughly 1,813 residents of Linden, a personal loan is a tool whose cost turns on the terms, not the address. The Census estimates 1,813 residents in Linden, which ranks it 638th of 1,224 places in Texas.
A larger market lies at Atlanta, TX about 13 miles away. Population in Linden dropped about 0.5% over the three years from 2020 to 2023. Rate ceilings, licensing requirements and product limits for Linden are all set at the Texas level. For a community of about 1,813, the practical step is to compare APR across at least three lenders before committing.
Linden: the sourced local profile
The figures below are Linden's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: about 1,813 people live here, which puts Linden 638th of 1,224 Census places in Texas (Vintage 2023).
- Population trend: A drop of about 0.5% from 2020 to 2023.
- People gained or lost: about 10 fewer since the 2020 base.
- Size percentile: bigger than about 48% of the places in Texas, with 1,813 residents in Linden.
- Population density: about 514 people per square mile (Census land area 3.5 sq mi).
- Land area: Linden covers 3.5 square miles, the 484th-largest area among Texas's 1,224 places.
- Share of Texas: Linden holds about 0.0% of the state's population, some 1,813 people.
- National rank: Linden sits 7,984th by population among the 19,457 places in this dataset.
- Growth in Texas: Linden stands 924th by percentage change from 2020 to 2023, among 1,224 places.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Linden's 0.5%.
- Density in Texas: Linden ranks 871st by people per square mile.
- Against the state median: Linden runs about 514 residents per square mile, where the Texas median is 840.
- Location: the Census Gazetteer records it at 33.0110, -94.3626.
- Nearest larger cities: Atlanta (13 mi); Jefferson (17 mi); Daingerfield (21 mi); Vivian (24 mi); New Boston (31 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Douglassville (12 mi); Avinger (14 mi); Marietta (15 mi).
- Within a 50-mile radius: 43 smaller Census places.
- At 100 miles: 74 larger Census places fall inside that radius.
Where Linden sits
Inside Linden's boundaries lie about 3.5 square miles of land, with no significant water area recorded. Spread across it are roughly 514 residents per square mile. Houston, the largest place in Texas, is about 231 miles from Linden. Counting outward 50 miles, 23 larger communities surround Linden. The 100-mile radius contains 74 larger places.
Linden's place among Texas's 1,224 places
Set beside Texas's 1,224 places, Linden ranks 638th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 924th of 1,224 Texas places, putting it near the 25th percentile for growth. By density, at about 514 people per square mile, it ranks 871st in Texas. Within 50 miles sit 43 smaller Census places, alongside the 23 that are larger.
Before you apply in Linden
Complete these steps first when you borrow in Linden (1,813 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the Texas licence with the regulator named above before committing.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Linden as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,813 residents.
Texas rules behind a Linden personal loan
For the roughly 1,813 residents of Linden, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
| 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 status | Legal 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 a Linden personal loan is priced
In Linden, a small community of about 1,813, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Linden's 1,813 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Linden loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Linden if my credit is poor?
What loan size can I expect in Linden?
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Does comparing loans in Linden cost me credit score points?
Nearby places
- Douglassville, TX — population 211
- Atlanta, TX — population 5,421
- Avinger, TX — population 370
- Marietta, TX — population 113
- Jefferson, TX — population 1,851
- Queen City, TX — population 1,400
- Hughes Springs, TX — population 1,548
- Maud, TX — population 966