Personal loans in Port Arthur, TX

The 2020 count to the 2023 estimate shows about 0.9% decline in Port Arthur. To lend to Port Arthur's 55,547 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Rate-shopping from Port Arthur costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The closest larger city is Beaumont, TX about 20 miles away.

Port Arthur: population, trend and location

Set out below is Port Arthur's local context next to the state-level rules that reach every lender here.

• Population: a Census-estimated 55,547, 68th among Texas's 1,224 places (Vintage 2023).
• Population trend: A decline of about 0.9% across the 2020-to-2023 comparison.
• Net change: roughly 480 fewer people than the 2020 Census counted.
• Size percentile: roughly 94% of Texas's places have fewer residents than Port Arthur's 55,547.
• Population density: about 735 people per square mile across 75.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Port Arthur ranks 19th among Texas's 1,224 places, at 75.6 sq mi.
• Water: Port Arthur holds about 47.19 square miles, the 4th-largest water area in Texas.
• State population share: Port Arthur accounts for about 0.3% of everyone in Texas.
• National rank: Port Arthur is 718th of 19,457 places nationwide.
• Growth rank: Port Arthur's 2020-to-2023 change ranks 956th of 1,224 places in Texas.
• Against the state trend: Port Arthur's 0.9% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Port Arthur places 691st among Texas's places by people per square mile.
• Density in context: Port Arthur's 735 people per square mile sit against a Texas median of 840.
• Location: latitude 29.9000, longitude -93.8944 (Census Gazetteer).
• Nearest larger cities: Beaumont (20 mi); Lake Charles (46 mi); Baytown (65 mi); Texas City (68 mi); Pasadena (77 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Groves (3 mi); Port Neches (6 mi); Nederland (8 mi).
• Smaller places within 50 miles: 26 of them.
• Larger places within 100 miles: 9.

Before you apply in Port Arthur

Before you hand your details to a lender in Port Arthur, where the population is near 55,547:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Port Arthur-specific: the same Texas licensing and disclosure rules reach all 55,547 residents.

Where Port Arthur sits in Texas

Within Texas, Port Arthur holds roughly 0.3% of all residents, the 68th-largest share among 1,224 places. Its 2020-to-2023 change ranks 956th of 1,224 Texas places, putting it near the 22th percentile for growth. By density, at about 735 people per square mile, it ranks 691st in Texas. By land area, its 75.6 square miles rank 19th of 1,224 places in Texas.

Texas consumer-lending rules applied in Port Arthur

This table holds the Texas rate and licensing rules for consumer loans made to Port Arthur's 55,547 residents.

Port Arthur: area, density and distance

Port Arthur covers about 75.6 square miles of land, with 47.19 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 735 people per square mile. Houston, the largest place in Texas, is about 90 miles from Port Arthur. Port Arthur has 2 larger places within a 50-mile radius. Within the same 50 miles lie 26 smaller Census places.

How personal loans work in Port Arthur

With roughly 55,547 residents, Port Arthur is a mid-sized city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Port Arthur lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Port Arthur loan but raises total interest, so the smallest payment is not the cheapest loan.