Personal loans in Lyford, TX
Personal loans in Lyford are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 2,207 population. Lyford is one of 1,224 Census places in Texas; its 2,207 residents put it at 576th.
Borrowers who want a bigger city can look to Raymondville, TX about 4 miles away. Lyford lost roughly 1.7% of its population across the 2020-to-2023 comparison. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Lyford as from the rest of the state. Rate-shopping from Lyford costs nothing at pre-qualification, where a soft pull leaves your credit file alone.
What the Census records for Lyford
What follows is Lyford's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: 2,207 residents; Lyford is the 576th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.7% across the 2020-to-2023 comparison.
- People gained or lost: about 38 fewer since the 2020 base.
- Size percentile: Lyford sits ahead of around 53% of Texas places, at 2,207 people.
- Land and density: 1.8 square miles of land carry roughly 1,261 residents per square mile.
- Land area: Lyford covers 1.8 square miles, the 784th-largest area among Texas's 1,224 places.
- Water area: Lyford has 0.06 square miles of water, ranking 273rd of 1,224 places in Texas.
- Share of Texas: Lyford holds about 0.0% of the state's population, some 2,207 people.
- National rank: Lyford is the 7,274th most populous of the 19,457 Census places covered here.
- Growth in Texas: Lyford stands 1,025th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Lyford moved 1.7%.
- Density in Texas: Lyford ranks 366th by people per square mile.
- Density vs Texas: Lyford's 1,261 people per square mile compare with a state median of 840.
- Location: latitude 26.4146, longitude -97.7893 (Census Gazetteer).
- Nearest larger cities: Raymondville (4 mi); Santa Rosa (11 mi); La Villa (12 mi); Combes (12 mi); Primera (13 mi). Larger metros often have more branches, but online lenders reach Lyford on the same terms.
- Smaller communities within reach: San Perlita (11 mi); Palm Valley (15 mi); Los Indios (25 mi).
- Within a 50-mile radius: 8 smaller Census places.
- Within 100 miles: 43 places are larger than Lyford.
Where Lyford sits in Texas
Set beside Texas's 1,224 places, Lyford ranks 576th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 1,025th of 1,224 Texas places, putting it near the 16th percentile for growth. By density, at about 1,261 people per square mile, it ranks 366th in Texas. The population moved by about 38 people between 2020 and 2023, a 1.7% shift.
What shapes a Lyford personal loan
Most loans made to Lyford's 2,207 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Lyford loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Lyford decides the split between a comfortable payment and the total interest you pay.
Lender access in Lyford
At roughly 1,261 people per square mile, Lyford is moderately settled; 33 larger places lie within 50 miles. Lenders licensed in Texas reach Lyford's 2,207 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Raymondville, TX about 4 miles away.
Texas rules behind a Lyford personal loan
Read the table as a lender's compliance picture for Lyford: the rule, the sourced figure, the publisher and the 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 |
The geography behind Lyford
Lyford covers about 1.8 square miles of land, with 0.06 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 1,261 residents per square mile. The state's population centre of gravity, Houston, is roughly 275 miles away. Within 50 miles of Lyford there are 33 larger Census places. Within the same 50 miles lie 8 smaller Census places.
Common questions
What are my options in Lyford if my credit is poor?
What loan size can I expect in Lyford?
Do I have to pledge anything to borrow in Lyford?
Does comparing loans in Lyford cost me credit score points?
Nearby places
- Raymondville, TX — population 10,135
- Santa Rosa, TX — population 2,372
- San Perlita, TX — population 540
- Combes, TX — population 3,171
- La Villa, TX — population 3,075
- Primera, TX — population 5,371
- Edcouch, TX — population 2,677
- Palm Valley, TX — population 1,358