Personal loans in Oak Valley, TX

Oak Valley gained roughly 3.5% in population across the 2020-to-2023 comparison. Verify the lender's Texas licence against the regulator named below before borrowing in Oak Valley. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Oak Valley's 418 residents. For a bigger market, look to Retreat, TX about 3 miles away.

Borrowing in Oak Valley: the local picture

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

• Population: about 418 people live here, which puts Oak Valley 1,026th of 1,224 Census places in Texas (Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 3.5%.
• Change in people: the 2020-to-2023 comparison is a gain of about 14 residents.
• Size percentile: with 418 residents, Oak Valley is larger than about 16% of Texas's Census places.
• Density: roughly 216 residents per square mile, spread over 1.9 sq mi of land.
• Land area rank: Oak Valley's 1.9 square miles rank 734th of 1,224 places in Texas.
• Water area rank: Oak Valley ranks 369th among Texas's 1,224 places, with 0.03 sq mi.
• Share of Texas: Oak Valley holds about 0.0% of the state's population, some 418 people.
• National rank: Oak Valley is 13,913th of 19,457 places nationwide.
• Growth rank: Oak Valley ranks 541st among Texas's 1,224 places for the 2020-to-2023 change.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Oak Valley's 3.5%.
• Density in Texas: Oak Valley ranks 1,105th by people per square mile.
• Density in context: Oak Valley's 216 people per square mile sit against a Texas median of 840.
• Location: 32.0291, -96.5174 (Census Gazetteer coordinates).
• Nearest larger cities: Retreat (3 mi); Corsicana (5 mi); Angus (6 mi); Mildred (11 mi); Blooming Grove (12 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Navarro (8 mi); Barry (9 mi); Richland (9 mi).
• Within a 50-mile radius: 28 smaller Census places.
• Larger places within 100 miles: 325.

What shapes a Oak Valley personal loan

In Oak Valley, a small community of about 418, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Oak Valley's 418 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Oak Valley decides the split between a comfortable payment and the total interest you pay.

Oak Valley: area, density and distance

Oak Valley covers about 1.9 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 216 residents per square mile. Houston, the largest place in Texas, is about 169 miles from Oak Valley. Oak Valley has 77 larger places within a 50-mile radius. Within the same 50 miles lie 28 smaller Census places.

How lenders reach Oak Valley

Oak Valley is lightly settled, with about 216 people per square mile and 77 larger places within 50 miles. A Texas licence lets a lender serve Oak Valley without a local office, so branch density does not change what its 418 residents are offered. The nearest bigger place is Retreat, TX about 3 miles away.

Oak Valley against the rest of Texas

Against Texas's other places, Oak Valley accounts for about 0.0% of the state's population and ranks 1,026th of 1,224 by size. On the 2020-to-2023 trend, Oak Valley stands 541st among Texas's 1,224 places — roughly the 56th percentile. At about 216 people per square mile, Oak Valley is the 1,105th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 14 residents.

Texas consumer-lending rules applied in Oak Valley

These are Texas's sourced lending facts as they reach Oak Valley's 418 residents; the state has no city-level rate rule.