Personal loans in Round Mountain, TX

By population, Round Mountain sits at 1,192nd in Texas, with an estimated 116 residents. Round Mountain counts about 116 people, and what is genuinely local about borrowing here is limited — Texas law does the governing.

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

Compare loan offers Run the numbers first

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.

Compare APR, not the interest rate, because the APR folds in most fees on a Round Mountain loan. For the 116 people in Round Mountain, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Round Mountain added about 12.6% to its population between the 2020 base and the 2023 estimate. The closest larger city is Johnson City, TX about 9 miles away.

The Round Mountain data picture

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

Round Mountain in state context

Round Mountain is the 1,192nd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. For population change between 2020 and 2023, Round Mountain ranks 171st of 1,224 in Texas (about the 86th percentile). By density, at about 50 people per square mile, it ranks 1,219th in Texas. The population moved by about 13 people between 2020 and 2023, a 12.6% shift.

Which Texas laws govern a loan in Round Mountain

These are Texas's sourced lending facts as they reach Round Mountain's 116 residents; the state has no city-level rate rule.

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
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
Maximum legal interest rate (usury cap)10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001)
Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law.		Texas Legislature (Texas Constitution and Statutes)
as of 2026-09-16

Lender access in Round Mountain

Round Mountain is a sparsely settled community of about 116 people, with 56 larger places inside a 50-mile radius. What is available to Round Mountain's 116 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Johnson City, TX about 9 miles away.

Round Mountain: area, density and distance

Round Mountain's land area is roughly 2.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 50 people per square mile. Houston, the largest place in Texas, is about 183 miles from Round Mountain. A 50-mile radius around Round Mountain takes in 56 places that are larger. The 100-mile radius contains 174 larger places.

A practical checklist for Round Mountain borrowers

Complete these steps first when you borrow in Round Mountain (116 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Round Mountain-specific: the same Texas licensing and disclosure rules reach all 116 residents.

Compare personal loan offers Run the numbers first

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 Round Mountain 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 Round Mountain is the same as anywhere in Texas.
What loan size can I expect in Round Mountain?
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 Round Mountain?
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 Round Mountain 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.

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