Personal loans in Mildred, TX

Personal loans in Mildred are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 443 population. The trend for Mildred between 2020 and 2023 is upward by roughly 11.0%.

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.

At about 443 residents, Mildred is larger than roughly 17% of the places in Texas. Price two or three terms so you can see which payment is truly affordable in Mildred. Which products a lender may offer to Mildred's 443 residents follows from the Texas consumer-lending framework. Borrowers who want a bigger city can look to Angus, TX about 7 miles away.

The Mildred data picture

Two layers matter for a Mildred borrower: the local population picture and Texas's consumer-lending statutes.

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

Mildred is the 1,011th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 201st of 1,224 Texas places, putting it near the 84th percentile for growth. By density, at about 193 people per square mile, it ranks 1,118th in Texas. In land area, Mildred ranks 632nd among Texas's 1,224 places.

Which Texas laws govern a loan in Mildred

The rows below set out what a licensed lender must follow in Texas, and so for Mildred's roughly 443 residents.

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
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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.
Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16

How a Mildred personal loan is priced

Most loans made to Mildred's 443 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Mildred loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Mildred loan is knowable in advance — unlike a revolving card balance.

Lender access in Mildred

With about 193 residents per square mile, Mildred is lightly settled, and 69 larger Census places sit within 50 miles. Lenders licensed in Texas reach Mildred's 443 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Angus, TX about 7 miles away.

Land, water and location for Mildred

Mildred's land area is about 2.3 square miles; a further 0.06 square miles is water. With 443 residents, the land area yields roughly 193 people per square mile. For the state's biggest city, Houston, the distance is roughly 166 miles. Mildred has 69 larger places within a 50-mile radius. By land area it ranks 632nd of 1,224 Texas 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 Mildred 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 Mildred is the same as anywhere in Texas.
What loan size can I expect in Mildred?
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 Mildred?
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 Mildred 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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