Personal loans in Lone Oak, TX

About 781 people live in Lone Oak, placing it 876th of 1,224 Census places in Texas. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Lone Oak loan. Consumer lending that reaches Lone Oak's 781 residents is governed by Texas statute; no city ordinance changes it. Borrowers who want a bigger city can look to Point, TX about 6 miles away.

The Lone Oak data picture

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

• Population: 781 residents; Lone Oak is the 876th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Growth of about 21.3% across the 2020-to-2023 comparison.
• Net change: roughly 137 more people than the 2020 Census counted.
• Size percentile: bigger than about 28% of the places in Texas, with 781 residents in Lone Oak.
• Population density: about 703 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Lone Oak's 1.1 square miles rank 969th of 1,224 places in Texas.
• Within Texas: about 0.0% of the state's population lives in Lone Oak.
• National rank: Lone Oak is 11,301st of 19,457 places nationwide.
• Growth rank: Lone Oak's 2020-to-2023 change ranks 85th of 1,224 places in Texas.
• Against the state trend: Lone Oak's 21.3% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Lone Oak is the 719th most densely settled place in Texas.
• Against the state median: Lone Oak runs about 703 residents per square mile, where the Texas median is 840.
• Location: mapped by the US Census Bureau at 32.9961, -95.9407.
• Nearest larger cities: Point (6 mi); East Tawakoni (6 mi); West Tawakoni (9 mi); Quinlan (13 mi); Greenville (13 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Campbell (10 mi); Cumby (11 mi); Hawk Cove (11 mi).
• Smaller places within 50 miles: 28 of them.
• Larger places within 100 miles: 285.

Lone Oak in state context

Within Texas, Lone Oak holds roughly 0.0% of all residents, the 876th-largest share among 1,224 places. On the 2020-to-2023 trend, Lone Oak stands 85th among Texas's 1,224 places — roughly the 93th percentile. By density, at about 703 people per square mile, it ranks 719th in Texas. Between 2020 and 2023 the count changed by roughly 137 residents.

Inside a Lone Oak personal loan

Most loans made to Lone Oak's 781 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Lone Oak can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Lone Oak loan is knowable in advance — unlike a revolving card balance.

What Texas law requires in Lone Oak

This table holds the Texas rate and licensing rules for consumer loans made to Lone Oak's 781 residents.

Where Lone Oak sits

The Census Gazetteer records about 1.1 square miles of land within Lone Oak, with no significant water area listed. That land carries about 703 people per square mile. The largest place in Texas, Houston, lies about 224 miles away. A 50-mile radius around Lone Oak takes in 79 places that are larger. By land area it ranks 969th of 1,224 Texas places.

Lender access in Lone Oak

With about 703 residents per square mile, Lone Oak is moderately settled, and 79 larger Census places sit within 50 miles. Lenders licensed in Texas reach Lone Oak's 781 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Point, TX about 6 miles away.