Personal loans in Town of Pecos, TX

A lender serving Town of Pecos holds a Texas licence and answers to a Texas regulator; no city office is involved for its 9,965 residents. Town of Pecos is one of 1,224 Census places in Texas; its 9,965 residents put it at 246th.

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.

Town of Pecos lost roughly 22.9% of its population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Town of Pecos's 9,965 residents are no exception. A larger market lies at Odessa, TX about 77 miles away. Which products a lender may offer to Town of Pecos's 9,965 residents follows from the Texas consumer-lending framework.

What the Census records for Town of Pecos

Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.

The state rulebook for Town of Pecos

This table holds the Texas rate and licensing rules for consumer loans made to Town of Pecos's 9,965 residents.

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
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
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

Where Town of Pecos sits in Texas

Within Texas, Town of Pecos holds roughly 0.0% of all residents, the 246th-largest share among 1,224 places. On the 2020-to-2023 trend, Town of Pecos stands 1,223rd among Texas's 1,224 places — roughly the 0th percentile. At about 329 people per square mile, Town of Pecos is the 1,019th most densely settled place in Texas. The population moved by about 2,954 people between 2020 and 2023, a 22.9% shift.

Town of Pecos on the map

Town of Pecos's land area is roughly 30.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 329 people per square mile. The state's population centre of gravity, Houston, is roughly 496 miles away. Within 50 miles of Town of Pecos there are 0 larger Census places. Within the same 50 miles lie 10 smaller Census places.

How a Town of Pecos personal loan is priced

Most loans made to Town of Pecos's 9,965 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Town of Pecos's 9,965 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Town of Pecos loan is knowable in advance — unlike a revolving card balance.

Borrowing reach in Town of Pecos

At roughly 329 people per square mile, Town of Pecos is lightly settled; 0 larger places lie within 50 miles. What is available to Town of Pecos's 9,965 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Odessa, TX about 77 miles away.

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 Town of Pecos 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 Town of Pecos is the same as anywhere in Texas.
What loan size can I expect in Town of Pecos?
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 Town of Pecos?
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 Town of Pecos 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.

Nearby places

Related