Personal loans in Thorntonville, TX

An estimated 536 people make their home in Thorntonville, a figure that ranks 961st in Texas.

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.

With roughly 536 residents, Thorntonville is a small community, and the lending rules its borrowers live under are written in Texas, not by the city. Price two or three terms so you can see which payment is truly affordable in Thorntonville. Consumer lending that reaches Thorntonville's 536 residents is governed by Texas statute; no city ordinance changes it. The 2020 count to the 2023 estimate shows about 4.6% decline in Thorntonville. The closest larger place is Monahans, TX about 11 miles away.

Thorntonville by the numbers

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

Getting a loan in Thorntonville

At roughly 669 people per square mile, Thorntonville is moderately settled; 8 larger places lie within 50 miles. Lenders licensed in Texas reach Thorntonville's 536 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Monahans, TX about 11 miles away.

What shapes a Thorntonville personal loan

Thorntonville is a small community of about 536 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Thorntonville lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Thorntonville loan is knowable in advance — unlike a revolving card balance.

How Thorntonville compares across Texas

Against Texas's other places, Thorntonville accounts for about 0.0% of the state's population and ranks 961st of 1,224 by size. For population change between 2020 and 2023, Thorntonville ranks 1,185th of 1,224 in Texas (about the 3th percentile). By density, at about 669 people per square mile, it ranks 747th in Texas. The population moved by about 26 people between 2020 and 2023, a 4.6% shift.

Where Thorntonville sits

Thorntonville covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 669 residents per square mile. The state's population centre of gravity, Houston, is roughly 464 miles away. A 50-mile radius around Thorntonville takes in 8 places that are larger. Within the same 50 miles lie 5 smaller Census places.

Texas rules behind a Thorntonville personal loan

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Thorntonville lender must follow.

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