Personal loans in Navarro, TX
If you are weighing a personal loan in Navarro, start from the payment you can carry; its 238 residents face the same statewide rules. With an estimated 238 residents, Navarro is the 1,131st-largest of 1,224 places in Texas.
The 2020 count to the 2023 estimate shows about 3.5% growth in Navarro. Which products a lender may offer to Navarro's 238 residents follows from the Texas consumer-lending framework. Verify the lender's Texas licence against the regulator named below before borrowing in Navarro. For a bigger market, look to Angus, TX about 3 miles away.
Borrowing in Navarro: the local picture
Here is the sourced Census picture for Navarro, plus the Texas lending rules that apply to a loan taken out here.
- Population: 238 residents; Navarro is the 1,131st-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 3.5% since the 2020 count.
- People gained or lost: about 8 more since the 2020 base.
- Size percentile: Navarro sits ahead of around 8% of Texas places, at 238 people.
- Population density: about 356 people per square mile across 0.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Navarro covers 0.7 square miles, the 1,101st-largest area among Texas's 1,224 places.
- State share: roughly 0.0% of Texas's residents live in Navarro (238 people).
- National standing: Navarro ranks 15,930th of 19,457 US places.
- Growth rank: Navarro's 2020-to-2023 change ranks 539th of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Navarro moved 3.5%.
- Density rank: Navarro places 999th among Texas's places by people per square mile.
- Density vs Texas: Navarro's 356 people per square mile compare with a state median of 840.
- Location: the Census Gazetteer records it at 32.0008, -96.3825.
- Nearest larger cities: Angus (3 mi); Mildred (5 mi); Richland (6 mi); Retreat (6 mi); Eureka (7 mi). Lenders licensed in the state serve Navarro whether or not they keep a local branch.
- Nearest smaller towns: Powell (8 mi); Goodlow (12 mi); Emhouse (16 mi).
- Within a 50-mile radius: 14 smaller Census places.
- At 100 miles: 359 larger Census places fall inside that radius.
Inside a Navarro personal loan
Most loans made to Navarro's 238 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Navarro's rank of 1,131st in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Navarro loan is knowable in advance — unlike a revolving card balance.
Getting a loan in Navarro
At roughly 356 people per square mile, Navarro is lightly settled; 85 larger places lie within 50 miles. Lenders licensed in Texas reach Navarro's 238 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Angus, TX about 3 miles away.
Where Navarro sits in Texas
Set beside Texas's 1,224 places, Navarro ranks 1,131st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Navarro ranks 539th of 1,224 in Texas (about the 56th percentile). By density, at about 356 people per square mile, it ranks 999th in Texas. By land area, its 0.7 square miles rank 1,101st of 1,224 places in Texas.
Where Navarro sits
Inside Navarro's boundaries lie about 0.7 square miles of land, with no significant water area recorded. The resulting density is about 356 people per square mile. For the state's biggest city, Houston, the distance is roughly 164 miles. Navarro has 85 larger places within a 50-mile radius. The 100-mile radius contains 359 larger places.
Which Texas laws govern a loan in Navarro
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Navarro lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 status | Legal 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 |
Common questions
What are my options in Navarro if my credit is poor?
What loan size can I expect in Navarro?
Do I have to pledge anything to borrow in Navarro?
Does comparing loans in Navarro cost me credit score points?
Nearby places
- Angus, TX — population 459
- Mildred, TX — population 443
- Richland, TX — population 273
- Retreat, TX — population 431
- Eureka, TX — population 343
- Corsicana, TX — population 25,671
- Powell, TX — population 106
- Streetman, TX — population 267