Personal loans in Wichita Falls, TX

Every figure below is Texas's own, applied to Wichita Falls's 102,691 residents, with the publisher and retrieval date attached. With 102,691 residents, Wichita Falls outranks about 97% of the communities in Texas. Read the disclosure for an origination fee and any prepayment penalty before signing in Wichita Falls. Wichita Falls gained roughly 0.4% in population across the 2020-to-2023 comparison. The nearest larger metro is Denton, TX about 93 miles away.

The Wichita Falls data picture

Here is the sourced Census picture for Wichita Falls, plus the Texas lending rules that apply to a loan taken out here.

• Population: about 102,691, ranked 42nd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly 0.4% more residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a gain of about 403 residents.
• Size percentile: about 97% of Texas communities are smaller than Wichita Falls (102,691 residents).
• Population density: about 1,422 people per square mile (Census land area 72.2 sq mi).
• Land area: Wichita Falls covers 72.2 square miles, the 22nd-largest area among Texas's 1,224 places.
• Water: Wichita Falls holds about 0.17 square miles, the 177th-largest water area in Texas.
• Share of state population: Wichita Falls's 102,691 residents are about 0.5% of Texas.
• National rank: Wichita Falls is 312th of 19,457 places nationwide.
• Growth rank: Wichita Falls's 2020-to-2023 change ranks 811th of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Wichita Falls moved 0.4%.
• Density rank: Wichita Falls places 310th among Texas's places by people per square mile.
• Against the state median: Wichita Falls runs about 1,422 residents per square mile, where the Texas median is 840.
• Location: latitude 33.9067, longitude -98.5258 (Census Gazetteer).
• Nearest larger cities: Denton (93 mi); Fort Worth (103 mi); Lewisville (107 mi); Frisco (111 mi); Carrollton (113 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Pleasant Valley (5 mi); Lakeside City (5 mi); Dean (7 mi).
• Within a 50-mile radius: 44 smaller Census places.
• At 100 miles: 1 larger Census places fall inside that radius.

Borrowing reach in Wichita Falls

With about 1,422 residents per square mile, Wichita Falls is moderately settled, and 0 larger Census places sit within 50 miles. Lenders licensed in Texas reach Wichita Falls's 102,691 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Denton, TX about 93 miles away.

A practical checklist for Wichita Falls borrowers

Before you apply in Wichita Falls, a community of about 102,691, work through these steps:

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. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Texas regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Texas; what changes is your credit file, not the fact that Wichita Falls holds 102,691 people.

How Wichita Falls compares across Texas

Set beside Texas's 1,224 places, Wichita Falls ranks 42nd by population and holds about 0.5% of the state total. On the 2020-to-2023 trend, Wichita Falls stands 811th among Texas's 1,224 places — roughly the 34th percentile. At about 1,422 people per square mile, Wichita Falls is the 310th most densely settled place in Texas. The population moved by about 403 people between 2020 and 2023, a 0.4% shift.

Which Texas laws govern a loan in Wichita Falls

Below are the Texas rules that apply to a loan made in Wichita Falls, each with the regulator that issued it.

Land, water and location for Wichita Falls

The Census Gazetteer records 72.2 square miles of land and 0.17 square miles of water within Wichita Falls. With 102,691 residents, the land area yields roughly 1,422 people per square mile. The state's population centre of gravity, Houston, is roughly 339 miles away. Within 50 miles of Wichita Falls there are 0 larger Census places. Within the same 50 miles lie 44 smaller Census places.