Personal loans in Ransom Canyon, TX

Work out your debt-to-income ratio first; lenders weigh it heavily, and Ransom Canyon's 1,159 residents are no exception. A 2020-to-2023 comparison shows Ransom Canyon down by about 2.5%. For the 1,159 people in Ransom Canyon, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The closest larger place is Slaton, TX about 6 miles away.

Ransom Canyon by the numbers

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: an estimated 1,159 residents, 765th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 2.5% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 30 residents.
• Size percentile: roughly 38% of Texas's places have fewer residents than Ransom Canyon's 1,159.
• Density: the Census land area of 0.8 sq mi holds about 1,469 people per square mile.
• Land area: Ransom Canyon covers 0.8 square miles, the 1,071st-largest area among Texas's 1,224 places.
• Water area: Ransom Canyon has 0.15 square miles of water, ranking 185th of 1,224 places in Texas.
• Within Texas: about 0.0% of the state's population lives in Ransom Canyon.
• National rank: Ransom Canyon is the 9,680th most populous of the 19,457 Census places covered here.
• Growth rank: Ransom Canyon ranks 1,076th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Ransom Canyon moved 2.5%.
• Density rank: Ransom Canyon places 291st among Texas's places by people per square mile.
• Density vs Texas: Ransom Canyon's 1,469 people per square mile compare with a state median of 840.
• Location: mapped by the US Census Bureau at 33.5303, -101.6853.
• Nearest larger cities: Slaton (6 mi); Idalou (9 mi); Lubbock (12 mi); Wolfforth (18 mi); Ralls (20 mi). Larger metros often have more branches, but online lenders reach Ransom Canyon on the same terms.
• Nearest smaller towns: Buffalo Springs Lake (1 mi); Lorenzo (13 mi); Wilson (15 mi).
• Within a 50-mile radius: 14 smaller Census places.
• Larger places within 100 miles: 38.

Ransom Canyon: area, density and distance

Ransom Canyon covers about 0.8 square miles of land, with 0.15 square miles of water inside its boundaries (Census Gazetteer). With 1,159 residents, the land area yields roughly 1,469 people per square mile. For the state's biggest city, Houston, the distance is roughly 452 miles. A 50-mile radius around Ransom Canyon takes in 18 places that are larger. The 100-mile radius contains 38 larger places.

How Texas law applies in Ransom Canyon

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

A pre-application checklist for Ransom Canyon

A sensible order of operations for a loan in Ransom Canyon, home to about 1,159 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Ransom Canyon as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,159 residents.

How a Ransom Canyon personal loan is priced

Ransom Canyon is a small community of about 1,159 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Ransom Canyon lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Ransom Canyon loan is knowable in advance — unlike a revolving card balance.

Lender access in Ransom Canyon

At roughly 1,469 people per square mile, Ransom Canyon is moderately settled; 18 larger places lie within 50 miles. A Texas licence lets a lender serve Ransom Canyon without a local office, so branch density does not change what its 1,159 residents are offered. For a larger market, the closest option is Slaton, TX about 6 miles away.