Personal loans in Tulia, TX
Tulia is home to roughly 4,408 people and stands 401st by size out of 1,224 Census places in Texas. The trend for Tulia between 2020 and 2023 is downward by roughly 1.5%.
A personal loan in Tulia is priced from your credit file and income, not from the fact that the city holds 4,408 people. Lenders active in Tulia report to a Texas supervisor, identified in the sourced rows below. Begin with the payment, then weigh APR and total interest across the lenders that reach Tulia's 4,408 residents. Borrowers who want a bigger city can look to Plainview, TX about 24 miles away.
Tulia by the numbers
Set out below is Tulia's local context next to the state-level rules that reach every lender here.
- Population: about 4,408, ranked 401st of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 1.5% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 69 residents.
- Size percentile: Tulia's 4,408 people outrank roughly 67% of the places in Texas.
- Population density: 1,239 people per square mile on 3.6 square miles of land.
- Land area: Tulia covers 3.6 square miles, the 481st-largest area among Texas's 1,224 places.
- Water area: Tulia has 0.01 square miles of water, ranking 542nd of 1,224 places in Texas.
- Share of state population: Tulia's 4,408 residents are about 0.0% of Texas.
- National rank: Tulia is 5,200th of 19,457 places nationwide.
- Growth in Texas: Tulia stands 1,015th by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Tulia's 1.5% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Tulia places 382nd among Texas's places by people per square mile.
- Against the state median: Tulia runs about 1,239 residents per square mile, where the Texas median is 840.
- Location: coordinates 34.5379, -101.7744 (US Census Bureau Gazetteer).
- Nearest larger cities: Plainview (24 mi); Canyon (32 mi); Hereford (41 mi); Amarillo (46 mi); Littlefield (53 mi). Living near a larger metro rarely changes what is available in Tulia.
- Nearest smaller towns: Kress (12 mi); Happy (15 mi); Nazareth (19 mi).
- Smaller places within 50 miles: 20 of them.
- Within 100 miles: 17 places are larger than Tulia.
Land, water and location for Tulia
Tulia covers about 3.6 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). That land carries about 1,239 people per square mile. Houston, the largest place in Texas, is about 497 miles from Tulia. Within 50 miles of Tulia there are 4 larger Census places. Within the same 50 miles lie 20 smaller Census places.
How lenders reach Tulia
At roughly 1,239 people per square mile, Tulia is moderately settled; 4 larger places lie within 50 miles. Whether Tulia has a local branch or not, a Texas-licensed lender can serve its 4,408 people online on the same terms. For a larger market, the closest option is Plainview, TX about 24 miles away.
How Tulia compares across Texas
Set beside Texas's 1,224 places, Tulia ranks 401st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Tulia stands 1,015th among Texas's 1,224 places — roughly the 17th percentile. By density, at about 1,239 people per square mile, it ranks 382nd in Texas. The population moved by about 69 people between 2020 and 2023, a 1.5% shift.
How a Tulia personal loan is priced
In Tulia, a small community of about 4,408, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Tulia's rank of 401st in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Tulia decides the split between a comfortable payment and the total interest you pay.
Which Texas laws govern a loan in Tulia
When Texas does not publish a figure, the row links to the source instead of inventing a number; Tulia is bound by the same rules.
| 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 |
| 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 |
| Small-loan / installment lender licensing | License 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 |
Common questions
What are my options in Tulia if my credit is poor?
What loan size can I expect in Tulia?
Do I have to pledge anything to borrow in Tulia?
Does comparing loans in Tulia cost me credit score points?
Nearby places
- Kress, TX — population 596
- Happy, TX — population 608
- Edmonson, TX — population 88
- Nazareth, TX — population 304
- Plainview, TX — population 19,420
- Hart, TX — population 855
- Canyon, TX — population 16,171
- Silverton, TX — population 629