Personal loans in Skellytown, TX
Skellytown added about 0.3% to its population between the 2020 base and the 2023 estimate. With roughly 398 residents, Skellytown is a small community, and the lending rules its borrowers live under are written in Texas, not by the city.
Skellytown is one of 1,224 Census places in Texas; its 398 residents put it at 1,036th. The closest larger city is White Deer, TX about 10 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Skellytown's 398 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Skellytown.
Skellytown: the sourced local profile
What follows is Skellytown's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: about 398, ranked 1,036th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: About 0.3% above the 2020 Census base.
- Absolute change: 1 residents added between 2020 and 2023.
- Size percentile: Skellytown sits ahead of around 15% of Texas places, at 398 people.
- Land and density: 0.5 square miles of land carry roughly 750 residents per square mile.
- Land area: Skellytown covers 0.5 square miles, the 1,139th-largest area among Texas's 1,224 places.
- Share of Texas: Skellytown holds about 0.0% of the state's population, some 398 people.
- National rank: Skellytown is 14,125th of 19,457 places nationwide.
- Growth in Texas: Skellytown stands 826th by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Skellytown's 0.3% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Skellytown is the 678th most densely settled place in Texas.
- Density in context: Skellytown's 750 people per square mile sit against a Texas median of 840.
- Location: latitude 35.5710, longitude -101.1730 (Census Gazetteer).
- Nearest larger cities: White Deer (10 mi); Pampa (12 mi); Borger (14 mi); Panhandle (19 mi); Lefors (23 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller towns nearby: Sanford (22 mi); Howardwick (40 mi); Mobeetie (41 mi).
- Within a 50-mile radius: 4 smaller Census places.
- Within 100 miles: 54 places are larger than Skellytown.
What is available to Skellytown borrowers
At roughly 750 people per square mile, Skellytown is moderately settled; 18 larger places lie within 50 miles. What is available to Skellytown's 398 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, White Deer, TX about 10 miles away.
How personal loans work in Skellytown
With roughly 398 residents, Skellytown is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Skellytown. The term you choose in Skellytown decides the split between a comfortable payment and the total interest you pay.
Skellytown against the rest of Texas
Within Texas, Skellytown holds roughly 0.0% of all residents, the 1,036th-largest share among 1,224 places. Its 2020-to-2023 change ranks 826th of 1,224 Texas places, putting it near the 33th percentile for growth. At about 750 people per square mile, Skellytown is the 678th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 1 residents.
Texas rules behind a Skellytown personal loan
When Texas does not publish a figure, the row links to the source instead of inventing a number; Skellytown is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 status | Legal 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 licensing | License 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 |
Land, water and location for Skellytown
Skellytown's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. That land carries about 750 people per square mile. For the state's biggest city, Houston, the distance is roughly 522 miles. Skellytown has 18 larger places within a 50-mile radius. By land area it ranks 1,139th of 1,224 Texas places.
Common questions
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Nearby places
- White Deer, TX — population 995
- Pampa, TX — population 16,543
- Borger, TX — population 12,115
- Panhandle, TX — population 2,358
- Groom, TX — population 549
- Stinnett, TX — population 1,613
- Sanford, TX — population 131
- Lefors, TX — population 420