Personal loans in Naples, TX

Pull your credit reports and line up at least three offers before you apply from Naples. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Naples's 1,401 residents. A 2020-to-2023 comparison shows Naples up by about 0.8%. The closest larger place is Daingerfield, TX about 12 miles away.

What the Census records for Naples

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: 1,401 — Naples ranks 708th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 0.8% from 2020 to 2023.
• People gained or lost: about 11 more since the 2020 base.
• Size percentile: with 1,401 residents, Naples is larger than about 42% of Texas's Census places.
• Population density: 592 people per square mile on 2.4 square miles of land.
• Land area: Naples covers 2.4 square miles, the 617th-largest area among Texas's 1,224 places.
• Water area rank: Naples ranks 457th among Texas's 1,224 places, with 0.02 sq mi.
• State share: roughly 0.0% of Texas's residents live in Naples (1,401 people).
• National rank: Naples is 8,954th of 19,457 places nationwide.
• Growth rank: Naples's 2020-to-2023 change ranks 776th of 1,224 places in Texas.
• Against the state trend: Naples's 0.8% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Naples ranks 820th by people per square mile.
• Against the state median: Naples runs about 592 residents per square mile, where the Texas median is 840.
• Location: 33.2019, -94.6790 (Census Gazetteer coordinates).
• Nearest larger cities: Daingerfield (12 mi); Hughes Springs (14 mi); Mount Pleasant (17 mi); De Kalb (21 mi); Pittsburg (22 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Omaha (4 mi); Marietta (8 mi); Lone Star (18 mi).
• Within a 50-mile radius: 37 smaller Census places.
• Larger places within 100 miles: 89.

Inside a Naples personal loan

A Naples personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,401 residents. Two numbers drive a Naples loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Naples decides the split between a comfortable payment and the total interest you pay.

Before you apply in Naples

Before you hand your details to a lender in Naples, where the population is near 1,401:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Texas licence with the regulator named above before committing.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Naples as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,401 residents.

The Texas lending rules that reach Naples

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Naples lender must follow.

Naples in state context

Naples is the 708th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Naples ranks 776th of 1,224 in Texas (about the 37th percentile). At about 592 people per square mile, Naples is the 820th most densely settled place in Texas. In land area, Naples ranks 617th among Texas's 1,224 places.

Land, water and location for Naples

The Census Gazetteer records 2.4 square miles of land and 0.02 square miles of water within Naples. The resulting density is about 592 people per square mile. The state's population centre of gravity, Houston, is roughly 240 miles away. Counting outward 50 miles, 26 larger communities surround Naples. By land area it ranks 617th of 1,224 Texas places.