Personal loans in Lufkin, TX

The nearest larger metro is Huntsville, TX about 65 miles away. The 2020 count to the 2023 estimate shows about 0.2% growth in Lufkin. To lend to Lufkin's 34,181 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Begin with the payment, then weigh APR and total interest across the lenders that reach Lufkin's 34,181 residents.

Borrowing in Lufkin: the local picture

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

• Population: 34,181 residents; Lufkin is the 107th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 0.2% since the 2020 count.
• People gained or lost: about 64 more since the 2020 base.
• Size percentile: Lufkin's 34,181 people outrank roughly 91% of the places in Texas.
• Population density: about 999 people per square mile (Census land area 34.2 sq mi).
• By land area: Lufkin ranks 68th among Texas's 1,224 places, at 34.2 sq mi.
• Water: Lufkin holds about 0.27 square miles, the 143rd-largest water area in Texas.
• State share: roughly 0.2% of Texas's residents live in Lufkin (34,181 people).
• Nationally: Lufkin is the 1,173rd-largest of 19,457 Census places in the dataset.
• Growth rank: Lufkin ranks 834th among Texas's 1,224 places for the 2020-to-2023 change.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Lufkin's 0.2%.
• Density rank: Lufkin places 512th among Texas's places by people per square mile.
• Density in context: Lufkin's 999 people per square mile sit against a Texas median of 840.
• Location: 31.3229, -94.7290 (Census Gazetteer coordinates).
• Nearest larger cities: Huntsville (65 mi); Tyler (77 mi); Conroe (82 mi); Longview (83 mi); Beaumont (92 mi). Living near a larger metro rarely changes what is available in Lufkin.
• Nearest smaller towns: Hudson (3 mi); Burke (6 mi); Huntington (9 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 38 of them.
• Larger places within 100 miles: 6.

Texas rules behind a Lufkin personal loan

Texas has no separate rate rule for Lufkin; the sourced rows below are what reach every lender that serves its 34,181 people.

Lufkin: area, density and distance

Lufkin covers about 34.2 square miles of land, with 0.27 square miles of water inside its boundaries (Census Gazetteer). With 34,181 residents, the land area yields roughly 999 people per square mile. Houston, the largest place in Texas, is about 113 miles from Lufkin. Lufkin has 0 larger places within a 50-mile radius. Within the same 50 miles lie 38 smaller Census places.

Getting a loan in Lufkin

Lufkin is moderately settled, with about 999 people per square mile and 0 larger places within 50 miles. Distance to a branch rarely matters for Lufkin's 34,181 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Huntsville, TX about 65 miles away.

Before you apply in Lufkin

For Lufkin's roughly 34,181 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Test the payment against your current bills before you commit.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Lufkin-specific: the same Texas licensing and disclosure rules reach all 34,181 residents.

Where Lufkin sits in Texas

Set beside Texas's 1,224 places, Lufkin ranks 107th by population and holds about 0.2% of the state total. On the 2020-to-2023 trend, Lufkin stands 834th among Texas's 1,224 places — roughly the 32th percentile. Its roughly 999 residents per square mile place it 512th among Texas's places. By land area, its 34.2 square miles rank 68th of 1,224 places in Texas.