Personal loans in Roby, TX

Decide the purpose of the loan and your repayment plan before sharing any details with a Roby lender. A single loan can carry different costs on either side of a state line, and Roby sits on the Texas side of that line. The trend for Roby between 2020 and 2023 is downward by roughly 1.4%. The next larger city is Rotan, TX about 9 miles away.

The Roby data picture

Roby is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 581 people live here, which puts Roby 942nd of 1,224 Census places in Texas (Vintage 2023).
• Population trend: About 1.4% below the 2020 Census base.
• Absolute change: 8 residents lost between 2020 and 2023.
• Size percentile: Roby sits ahead of around 23% of Texas places, at 581 people.
• Population density: about 808 people per square mile (Census land area 0.7 sq mi).
• Land area: Roby covers 0.7 square miles, the 1,090th-largest area among Texas's 1,224 places.
• State share: roughly 0.0% of Texas's residents live in Roby (581 people).
• Nationally: Roby is the 12,571st-largest of 19,457 Census places in the dataset.
• Growth in Texas: Roby stands 999th by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Roby moved 1.4%.
• Density in Texas: Roby ranks 636th by people per square mile.
• Density in context: Roby's 808 people per square mile sit against a Texas median of 840.
• Location: latitude 32.7460, longitude -100.3794 (Census Gazetteer).
• Nearest larger cities: Rotan (9 mi); Hamlin (17 mi); Sweetwater (19 mi); Roscoe (23 mi); Anson (28 mi). Online lenders reach Roby no matter how far the nearest branch is.
• Nearest smaller towns: Trent (23 mi); Loraine (30 mi); Hawley (34 mi).
• Within a 50-mile radius: 10 smaller Census places.
• Within 100 miles: 52 places are larger than Roby.

Getting a loan in Roby

With about 808 residents per square mile, Roby is moderately settled, and 14 larger Census places sit within 50 miles. Whether Roby has a local branch or not, a Texas-licensed lender can serve its 581 people online on the same terms. The nearest larger city, Rotan, TX about 9 miles away.

Where Roby sits in Texas

Within Texas, Roby holds roughly 0.0% of all residents, the 942nd-largest share among 1,224 places. For population change between 2020 and 2023, Roby ranks 999th of 1,224 in Texas (about the 18th percentile). By density, at about 808 people per square mile, it ranks 636th in Texas. By land area, its 0.7 square miles rank 1,090th of 1,224 places in Texas.

What Texas law requires in Roby

Read the table as a lender's compliance picture for Roby: the rule, the sourced figure, the publisher and the date.

Roby: area, density and distance

Inside Roby's boundaries lie about 0.7 square miles of land, with no significant water area recorded. Spread across it are roughly 808 residents per square mile. Houston, the largest place in Texas, is about 359 miles from Roby. Roby has 14 larger places within a 50-mile radius. By land area it ranks 1,090th of 1,224 Texas places.

A practical checklist for Roby borrowers

Complete these steps first when you borrow in Roby (581 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Texas regulator's licence records before you sign.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Check that the monthly payment fits your budget next to your existing obligations.

None of these steps is Roby-specific: the same Texas licensing and disclosure rules reach all 581 residents.