Personal loans in Mathis, TX

A personal loan in Mathis is priced from your credit file and income, not from the fact that the city holds 4,285 people. About 4,285 people live in Mathis, placing it 409th of 1,224 Census places in Texas.

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.

Compare APR, not the interest rate, because the APR folds in most fees on a Mathis loan. Population in Mathis dropped about 1.0% over the three years from 2020 to 2023. Every figure below is Texas's own, applied to Mathis's 4,285 residents, with the publisher and retrieval date attached. The nearest larger metro is Sinton, TX about 20 miles away.

Mathis: the sourced local profile

The figures below are Mathis's own — Census population, land area and coordinates — followed by the Texas rules.

The anatomy of a Mathis personal loan

With roughly 4,285 residents, Mathis is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Mathis's 4,285 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Mathis loan is knowable in advance — unlike a revolving card balance.

What is available to Mathis borrowers

Mathis is a moderately settled community of about 4,285 people, with 10 larger places inside a 50-mile radius. Distance to a branch rarely matters for Mathis's 4,285 residents: the application is online and the price follows your credit file. The nearest larger city, Sinton, TX about 20 miles away.

Steps to take before a Mathis loan

Before you hand your details to a lender in Mathis, where the population is near 4,285:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Look the lender up in the Texas regulator's licence records before you sign.
  5. Test the payment against your current bills before you commit.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Keep the amount to the expense; an approval is not a reason to take more.

What differs between Mathis and the rest of Texas is not the process but the borrower's own file, among the 4,285 people here.

Texas consumer-lending rules applied in Mathis

Below are the Texas rules that apply to a loan made in Mathis, each with the regulator that issued it.

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

Mathis's place among Texas's 1,224 places

Within Texas, Mathis holds roughly 0.0% of all residents, the 409th-largest share among 1,224 places. On the 2020-to-2023 trend, Mathis stands 967th among Texas's 1,224 places — roughly the 21th percentile. Its roughly 1,292 residents per square mile place it 356th among Texas's places. The population moved by about 45 people between 2020 and 2023, a 1.0% shift.

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 Mathis 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 Mathis is the same as anywhere in Texas.
What loan size can I expect in Mathis?
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 Mathis?
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 Mathis 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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