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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorTexas 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 statusLegal 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Lyford if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Lyford is the same as anywhere in Texas.
What loan size can I expect in Lyford?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Lyford?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Lyford cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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