Personal loans in Slaton, TX

A lender serving Slaton holds a Texas licence and answers to a Texas regulator; no city office is involved for its 5,684 residents. Slaton lost roughly 3.0% of its population across the 2020-to-2023 comparison.

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

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.

Slaton is one of 1,224 Census places in Texas; its 5,684 residents put it at 353rd. Decide the purpose of the loan and your repayment plan before sharing any details with a Slaton lender. Every figure below is Texas's own, applied to Slaton's 5,684 residents, with the publisher and retrieval date attached. The closest larger city is Lubbock, TX about 16 miles away.

Slaton by the numbers

What follows is Slaton's place in the Census record, alongside the Texas rules that govern a personal loan made here.

What shapes a Slaton personal loan

A Slaton personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 5,684 residents. Because pricing is borrower-level, two people in Slaton can be quoted different APRs on the same amount and term. Shortening the term on a Slaton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for Slaton

Slaton covers about 5.4 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,053 people per square mile. For the state's biggest city, Houston, the distance is roughly 447 miles. Within 50 miles of Slaton there are 4 larger Census places. The 100-mile radius contains 12 larger places.

Before you apply in Slaton

For Slaton's roughly 5,684 residents, these are the steps that most influence the offer:

  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. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Slaton as elsewhere in Texas, the written terms — not the advertisement — are what count for its 5,684 residents.

Where Slaton sits in Texas

Set beside Texas's 1,224 places, Slaton ranks 353rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Slaton stands 1,098th among Texas's 1,224 places — roughly the 10th percentile. By density, at about 1,053 people per square mile, it ranks 481st in Texas. In land area, Slaton ranks 349th among Texas's 1,224 places.

The state rulebook for Slaton

Texas has no separate rate rule for Slaton; the sourced rows below are what reach every lender that serves its 5,684 people.

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
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
Payday lending statusLegal 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

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