Personal loans in Richmond, TX

The roughly 12,816 people who live in Richmond borrow under Texas rules; city hall sets no personal-loan rate. To lend to Richmond's 12,816 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Richmond's 12,816 residents are no exception. A larger market lies at Rosenberg, TX about 4 miles away.

What the Census records for Richmond

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

• Population: 12,816 people, a figure that places Richmond 212th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 10.9% since the 2020 count.
• Net change: roughly 1,264 more people than the 2020 Census counted.
• Size percentile: Richmond's 12,816 people outrank roughly 83% of the places in Texas.
• Density: roughly 2,977 residents per square mile, spread over 4.3 sq mi of land.
• Land area: Richmond covers 4.3 square miles, the 416th-largest area among Texas's 1,224 places.
• Water: Richmond holds about 0.38 square miles, the 117th-largest water area in Texas.
• State share: roughly 0.1% of Texas's residents live in Richmond (12,816 people).
• National rank: Richmond is the 2,642nd most populous of the 19,457 Census places covered here.
• Growth in Texas: Richmond stands 203rd by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Richmond's 10.9% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Richmond places 87th among Texas's places by people per square mile.
• Density in context: Richmond's 2,977 people per square mile sit against a Texas median of 840.
• Location: coordinates 29.5812, -95.7605 (US Census Bureau Gazetteer).
• Nearest larger cities: Rosenberg (4 mi); Sugar Land (8 mi); Fulshear (11 mi); Stafford (12 mi); Missouri City (14 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Pleak (8 mi); Fairchilds (10 mi); Thompsons (10 mi).
• Within a 50-mile radius: 68 smaller Census places.
• Within 100 miles: 37 places are larger than Richmond.

What is available to Richmond borrowers

Richmond is a fairly dense community of about 12,816 people, with 29 larger places inside a 50-mile radius. Distance to a branch rarely matters for Richmond's 12,816 residents: the application is online and the price follows your credit file. The nearest larger city, Rosenberg, TX about 4 miles away.

Steps to take before a Richmond loan

These steps shape the offer you get in Richmond, a place of about 12,816 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Texas licence by checking the regulator named above.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Richmond-specific: the same Texas licensing and disclosure rules reach all 12,816 residents.

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

Against Texas's other places, Richmond accounts for about 0.1% of the state's population and ranks 212th of 1,224 by size. Its 2020-to-2023 change ranks 203rd of 1,224 Texas places, putting it near the 83th percentile for growth. By density, at about 2,977 people per square mile, it ranks 87th in Texas. By land area, its 4.3 square miles rank 416th of 1,224 places in Texas.

Where Richmond sits

Richmond covers about 4.3 square miles of land, with 0.38 square miles of water inside its boundaries (Census Gazetteer). That land carries about 2,977 people per square mile. Houston, the largest place in Texas, is about 26 miles from Richmond. Richmond has 29 larger places within a 50-mile radius. By land area it ranks 416th of 1,224 Texas places.

The state rulebook for Richmond

For the roughly 12,816 residents of Richmond, the rules below are Texas's own; each row carries its publisher and retrieval date.