Personal loans in Wharton, TX

The Census counts 8,742 people in Wharton, the 269th-largest figure among Texas's 1,224 places. The nearest larger metro is El Campo, TX about 13 miles away. A single loan can carry different costs on either side of a state line, and Wharton sits on the Texas side of that line. Decide the purpose of the loan and your repayment plan before sharing any details with a Wharton lender.

Wharton: population, trend and location

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

• Population: 8,742 people, a figure that places Wharton 269th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 1.3% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 115 residents.
• Size percentile: Wharton sits ahead of around 78% of Texas places, at 8,742 people.
• Density: roughly 1,052 residents per square mile, spread over 8.3 sq mi of land.
• Land area rank: Wharton's 8.3 square miles rank 258th of 1,224 places in Texas.
• Water area: Wharton has 0.04 square miles of water, ranking 344th of 1,224 places in Texas.
• Share of Texas: Wharton holds about 0.0% of the state's population, some 8,742 people.
• National rank: Wharton sits 3,454th by population among the 19,457 places in this dataset.
• Growth in Texas: Wharton stands 713th by percentage change from 2020 to 2023, among 1,224 places.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Wharton's 1.3%.
• Density rank: Wharton is the 482nd most densely settled place in Texas.
• Density vs Texas: Wharton's 1,052 people per square mile compare with a state median of 840.
• Location: the Census Gazetteer records it at 29.3176, -96.1023.
• Nearest larger cities: El Campo (13 mi); Rosenberg (23 mi); Bay City (25 mi); Richmond (27 mi); Fulshear (29 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places nearby: Kendleton (10 mi); East Bernard (14 mi); Beasley (17 mi).
• Within a 50-mile radius: 45 smaller Census places.
• Within 100 miles: 50 places are larger than Wharton.

Which Texas laws govern a loan in Wharton

The rows below set out what a licensed lender must follow in Texas, and so for Wharton's roughly 8,742 residents.

What is available to Wharton borrowers

Wharton is a moderately settled community of about 8,742 people, with 17 larger places inside a 50-mile radius. A Texas licence lets a lender serve Wharton without a local office, so branch density does not change what its 8,742 residents are offered. The nearest larger city, El Campo, TX about 13 miles away.

How Wharton compares across Texas

Within Texas, Wharton holds roughly 0.0% of all residents, the 269th-largest share among 1,224 places. Its 2020-to-2023 change ranks 713th of 1,224 Texas places, putting it near the 42th percentile for growth. Its roughly 1,052 residents per square mile place it 482nd among Texas's places. In land area, Wharton ranks 258th among Texas's 1,224 places.

What to do before borrowing in Wharton

These steps shape the offer you get in Wharton, a place of about 8,742 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Be clear on what the loan is for and how it gets repaid.

In Wharton as elsewhere in Texas, the written terms — not the advertisement — are what count for its 8,742 residents.

How personal loans work in Wharton

Wharton is a small town of about 8,742 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Wharton loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Wharton loan but raises total interest, so the smallest payment is not the cheapest loan.