Personal loans in Poth, TX

Two households in Poth with comparable incomes can still be offered different rates; the city's 1,968 residents are not the reason. Poth ranks 607th of 1,224 places in Texas, with a population near 1,968.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Poth added about 8.3% to its population between the 2020 base and the 2023 estimate. Read the disclosure for an origination fee and any prepayment penalty before signing in Poth. The nearest larger city is Floresville, TX about 7 miles away. To lend to Poth's 1,968 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it.

Where Poth stands

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

Where Poth sits in Texas

Against Texas's other places, Poth accounts for about 0.0% of the state's population and ranks 607th of 1,224 by size. On the 2020-to-2023 trend, Poth stands 286th among Texas's 1,224 places — roughly the 77th percentile. Its roughly 622 residents per square mile place it 796th among Texas's places. Between 2020 and 2023 the count changed by roughly 150 residents.

Poth: area, density and distance

Poth's land area is about 3.2 square miles; a further 0.02 square miles is water. That land carries about 622 people per square mile. Houston, the largest place in Texas, is about 169 miles from Poth. Poth has 34 larger places within a 50-mile radius. The 100-mile radius contains 92 larger places.

Lender access in Poth

Poth is a moderately settled community of about 1,968 people, with 34 larger places inside a 50-mile radius. Distance to a branch rarely matters for Poth's 1,968 residents: the application is online and the price follows your credit file. The nearest bigger place is Floresville, TX about 7 miles away.

A practical checklist for Poth borrowers

A sensible order of operations for a loan in Poth, home to about 1,968 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Texas regulator's records to confirm the lender is licensed here.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Test the payment against your current bills before you commit.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Poth and the rest of Texas is not the process but the borrower's own file, among the 1,968 people here.

The state rulebook for Poth

Below are the Texas rules that apply to a loan made in Poth, each with the regulator that issued it.

RuleDetailSource
State lending regulatorTexas 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
Payday lending statusLegal 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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.
Texas Office of Consumer Credit Commissioner (OCCC)
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Poth if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Poth is the same as anywhere in Texas.
What loan size can I expect in Poth?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Poth?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Poth cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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