Personal loans in Marfa, TX

The trend for Marfa between 2020 and 2023 is downward by roughly 6.4%. Consumer lending that reaches Marfa's 1,674 residents is governed by Texas statute; no city ordinance changes it. Compare APR, not the interest rate, because the APR folds in most fees on a Marfa loan. A larger market lies at Alpine, TX about 22 miles away.

Marfa: population, trend and location

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

• Population: about 1,674, ranked 659th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 6.4% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 114 fewer since the 2020 base.
• Size percentile: about 46% of Texas communities are smaller than Marfa (1,674 residents).
• Population density: about 1,031 people per square mile (Census land area 1.6 sq mi).
• Land area rank: Marfa's 1.6 square miles rank 817th of 1,224 places in Texas.
• Share of state population: Marfa's 1,674 residents are about 0.0% of Texas.
• National rank: Marfa is the 8,299th most populous of the 19,457 Census places covered here.
• Growth rank: Marfa ranks 1,209th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Marfa moved 6.4%.
• Density rank: Marfa places 493rd among Texas's places by people per square mile.
• Density vs Texas: Marfa's 1,031 people per square mile compare with a state median of 840.
• Location: latitude 30.3107, longitude -104.0255 (Census Gazetteer).
• Nearest larger cities: Alpine (22 mi); Presidio (56 mi); Van Horn (70 mi); Fort Stockton (79 mi); Town of Pecos (80 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Valentine (34 mi); Balmorhea (49 mi); Toyah (71 mi).
• Within a 50-mile radius: 2 smaller Census places.
• At 100 miles: 5 larger Census places fall inside that radius.

How lenders reach Marfa

Marfa is a moderately settled community of about 1,674 people, with 1 larger places inside a 50-mile radius. Whether Marfa has a local branch or not, a Texas-licensed lender can serve its 1,674 people online on the same terms. The nearest bigger place is Alpine, TX about 22 miles away.

What a Marfa borrower is actually offered

Marfa is a small community of about 1,674 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Marfa loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Marfa loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Marfa against the rest of Texas

Among Texas's 1,224 places, Marfa sits at 659th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Marfa ranks 1,209th of 1,224 in Texas (about the 1th percentile). By density, at about 1,031 people per square mile, it ranks 493rd in Texas. In land area, Marfa ranks 817th among Texas's 1,224 places.

What Texas law requires in Marfa

Texas has no separate rate rule for Marfa; the sourced rows below are what reach every lender that serves its 1,674 people.

A pre-application checklist for Marfa

A sensible order of operations for a loan in Marfa, home to about 1,674 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Texas; what changes is your credit file, not the fact that Marfa holds 1,674 people.