Personal loans in Troy, TX

About 3,169 people live in Troy, placing it 477th of 1,224 Census places in Texas. Rate-shopping from Troy costs nothing at pre-qualification, where a soft pull leaves your credit file alone. State law, not city hall, decides what a lender may do to Troy's roughly 3,169 residents, and a state regulator supervises it. The closest larger place is Temple, TX about 8 miles away.

Troy: population, trend and location

Most of what governs a Troy loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

• Population: about 3,169, ranked 477th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Growth of about 33.5% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a gain of about 796 residents.
• Size percentile: roughly 61% of Texas places rank below Troy.
• Land and density: 4.7 square miles of land carry roughly 681 residents per square mile.
• Land area rank: Troy's 4.7 square miles rank 389th of 1,224 places in Texas.
• Share of state population: Troy's 3,169 residents are about 0.0% of Texas.
• Nationally: Troy is the 6,107th-largest of 19,457 Census places in the dataset.
• Growth in Texas: Troy stands 43rd by percentage change from 2020 to 2023, among 1,224 places.
• Against the state trend: Troy's 33.5% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Troy ranks 739th by people per square mile.
• Density in context: Troy's 681 people per square mile sit against a Texas median of 840.
• Location: coordinates 31.1940, -97.3004 (US Census Bureau Gazetteer).
• Nearest larger cities: Temple (8 mi); Morgan's Point Resort (10 mi); Belton (14 mi); McGregor (17 mi); Hewitt (19 mi). Larger metros often have more branches, but online lenders reach Troy on the same terms.
• Smaller places close by: Bruceville-Eddy (8 mi); Moody (9 mi); Lorena (14 mi).
• Smaller neighbours: 39 places smaller than Troy sit within 50 miles.
• Within 100 miles: 85 places are larger than Troy.

How lenders reach Troy

Troy is moderately settled, with about 681 people per square mile and 24 larger places within 50 miles. A Texas licence lets a lender serve Troy without a local office, so branch density does not change what its 3,169 residents are offered. For a larger market, the closest option is Temple, TX about 8 miles away.

Troy's place among Texas's 1,224 places

Set beside Texas's 1,224 places, Troy ranks 477th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 43rd of 1,224 Texas places, putting it near the 96th percentile for growth. By density, at about 681 people per square mile, it ranks 739th in Texas. The population moved by about 796 people between 2020 and 2023, a 33.5% shift.

Before you apply in Troy

A sensible order of operations for a loan in Troy, home to about 3,169 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Texas; what changes is your credit file, not the fact that Troy holds 3,169 people.

Which Texas laws govern a loan in Troy

These are Texas's sourced lending facts as they reach Troy's 3,169 residents; the state has no city-level rate rule.

Troy on the map

Troy's land area is roughly 4.7 square miles, and the Gazetteer records no significant water area within it. With 3,169 residents, the land area yields roughly 681 people per square mile. For the state's biggest city, Houston, the distance is roughly 150 miles. Within 50 miles of Troy there are 24 larger Census places. By land area it ranks 389th of 1,224 Texas places.