Personal loans in Palacios, TX

Population in Palacios dropped about 0.6% over the three years from 2020 to 2023. Rate-shopping from Palacios costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Rate ceilings, licensing requirements and product limits for Palacios are all set at the Texas level. A larger market lies at Bay City, TX about 25 miles away.

Local context for Palacios

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

• Population: 4,374 people, a figure that places Palacios 402nd among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.6%.
• People gained or lost: about 25 fewer since the 2020 base.
• Size percentile: Palacios's 4,374 people outrank roughly 67% of the places in Texas.
• Population density: about 802 people per square mile (Census land area 5.5 sq mi).
• Land area rank: Palacios's 5.5 square miles rank 346th of 1,224 places in Texas.
• Water area rank: Palacios ranks 90th among Texas's 1,224 places, with 0.68 sq mi.
• Share of Texas: Palacios holds about 0.0% of the state's population, some 4,374 people.
• National rank: Palacios sits 5,219th by population among the 19,457 places in this dataset.
• Growth rank: Palacios ranks 927th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Palacios moved 0.6%.
• Density in Texas: Palacios ranks 642nd by people per square mile.
• Density in context: Palacios's 802 people per square mile sit against a Texas median of 840.
• Location: mapped by the US Census Bureau at 28.7131, -96.2279.
• Nearest larger cities: Bay City (25 mi); Port Lavaca (25 mi); Edna (31 mi); El Campo (34 mi); Wharton (42 mi). Larger metros often have more branches, but online lenders reach Palacios on the same terms.
• Nearest smaller places: La Ward (17 mi); Point Comfort (20 mi); Ganado (28 mi).
• Smaller places within 50 miles: 9 of them.
• Larger places within 100 miles: 59.

Palacios: area, density and distance

Palacios's land area is about 5.5 square miles; a further 0.68 square miles is water. Spread across it are roughly 802 residents per square mile. For the state's biggest city, Houston, the distance is roughly 90 miles. Counting outward 50 miles, 6 larger communities surround Palacios. The 100-mile radius contains 59 larger places.

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

Among Texas's 1,224 places, Palacios sits at 402nd for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Palacios ranks 927th of 1,224 in Texas (about the 24th percentile). At about 802 people per square mile, Palacios is the 642nd most densely settled place in Texas. In land area, Palacios ranks 346th among Texas's 1,224 places.

A practical checklist for Palacios borrowers

Before you hand your details to a lender in Palacios, where the population is near 4,374:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Palacios as elsewhere in Texas, the written terms — not the advertisement — are what count for its 4,374 residents.

Texas rules behind a Palacios personal loan

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

How lenders reach Palacios

Palacios is moderately settled, with about 802 people per square mile and 6 larger places within 50 miles. Distance to a branch rarely matters for Palacios's 4,374 residents: the application is online and the price follows your credit file. The nearest larger city, Bay City, TX about 25 miles away.