Personal loans in Snyder, TX
Snyder, Texas — home to about 11,187 people — is a small town, so the terms you are offered follow Texas law rather than any local rule. Price two or three terms so you can see which payment is truly affordable in Snyder.
The Census counts 11,187 people in Snyder, the 228th-largest figure among Texas's 1,224 places. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Snyder as from the rest of the state. The 2020 count to the 2023 estimate shows about 2.1% decline in Snyder. The nearest larger city is Big Spring, TX about 47 miles away.
Borrowing in Snyder: the local picture
Most of what governs a Snyder loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: an estimated 11,187 residents, 228th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.1% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 243 residents.
- Size percentile: about 81% of Texas's Census places are smaller than Snyder.
- Population density: about 1,252 people per square mile across 8.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Snyder's 8.9 square miles rank 240th of 1,224 places in Texas.
- Water: Snyder holds about 0.03 square miles, the 362nd-largest water area in Texas.
- State population share: Snyder accounts for about 0.1% of everyone in Texas.
- National rank: Snyder sits 2,902nd by population among the 19,457 places in this dataset.
- Growth rank: Snyder's 2020-to-2023 change ranks 1,051st of 1,224 places in Texas.
- Versus Texas: the state average change is +6.5%, while Snyder moved 2.1%.
- Density in Texas: Snyder ranks 373rd by people per square mile.
- Against the state median: Snyder runs about 1,252 residents per square mile, where the Texas median is 840.
- Location: 32.7136, -100.9119 (Census Gazetteer coordinates).
- Nearest larger cities: Big Spring (47 mi); Abilene (71 mi); Lubbock (81 mi); Midland (85 mi); San Angelo (92 mi). Lenders licensed in the state serve Snyder whether or not they keep a local branch.
- Nearest smaller towns: Colorado City (22 mi); Loraine (24 mi); Westbrook (25 mi).
- Smaller places within 50 miles: 15 of them.
- At 100 miles: 6 larger Census places fall inside that radius.
How Texas law applies in Snyder
Below are the Texas rules that apply to a loan made in Snyder, each with the regulator that issued it.
| 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 |
| 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 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 |
Inside a Snyder personal loan
With roughly 11,187 residents, Snyder is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Snyder lender to disclose the APR and finance charge before you sign. Shortening the term on a Snyder loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Snyder sits
Snyder's land area is about 8.9 square miles; a further 0.03 square miles is water. Spread across it are roughly 1,252 residents per square mile. The largest place in Texas, Houston, lies about 384 miles away. Snyder has 1 larger places within a 50-mile radius. By land area it ranks 240th of 1,224 Texas places.
Snyder's place among Texas's 1,224 places
Within Texas, Snyder holds roughly 0.1% of all residents, the 228th-largest share among 1,224 places. On the 2020-to-2023 trend, Snyder stands 1,051st among Texas's 1,224 places — roughly the 14th percentile. At about 1,252 people per square mile, Snyder is the 373rd most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 243 residents.
Before you apply in Snyder
Before you apply in Snyder, a community of about 11,187, work through these steps:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Get several pre-qualifications and compare APR side by side before choosing.
- Confirm the lender holds a Texas licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
What differs between Snyder and the rest of Texas is not the process but the borrower's own file, among the 11,187 people here.
Common questions
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Nearby places
- Colorado City, TX — population 3,987
- Loraine, TX — population 508
- Westbrook, TX — population 205
- Roscoe, TX — population 1,220
- Rotan, TX — population 1,309
- Roby, TX — population 581
- Sweetwater, TX — population 10,285
- Coahoma, TX — population 902