Personal loans in Winfield, TX

Decide the purpose of the loan and your repayment plan before sharing any details with a Winfield lender. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Winfield's 422 residents. Winfield added about 1.0% to its population between the 2020 base and the 2023 estimate. Borrowers who want a bigger city can look to Mount Vernon, TX about 7 miles away.

Winfield by the numbers

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

• Population: an estimated 422 residents, 1,023rd of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 1.0% from the 2020 Census base to the 2023 estimate.
• Absolute change: 4 residents added between 2020 and 2023.
• Size percentile: about 16% of Texas communities are smaller than Winfield (422 residents).
• Land and density: 0.8 square miles of land carry roughly 543 residents per square mile.
• Land area: Winfield covers 0.8 square miles, the 1,074th-largest area among Texas's 1,224 places.
• Water area: Winfield has 0.01 square miles of water, ranking 548th of 1,224 places in Texas.
• Within Texas: about 0.0% of the state's population lives in Winfield.
• National rank: Winfield is the 13,880th most populous of the 19,457 Census places covered here.
• Growth rank: Winfield ranks 757th among Texas's 1,224 places for the 2020-to-2023 change.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Winfield's 1.0%.
• Density rank: Winfield is the 851st most densely settled place in Texas.
• Against the state median: Winfield runs about 543 residents per square mile, where the Texas median is 840.
• Location: 33.1654, -95.1112 (US Census Bureau Gazetteer).
• Nearest larger cities: Mount Vernon (7 mi); Mount Pleasant (8 mi); Talco (14 mi); Pittsburg (14 mi); Winnsboro (18 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Miller's Cove (1 mi); Rocky Mound (11 mi); Tira (27 mi).
• Within a 50-mile radius: 11 smaller Census places.
• At 100 miles: 230 larger Census places fall inside that radius.

Winfield on the map

The Census Gazetteer records 0.8 square miles of land and 0.01 square miles of water within Winfield. With 422 residents, the land area yields roughly 543 people per square mile. The largest place in Texas, Houston, lies about 234 miles away. A 50-mile radius around Winfield takes in 49 places that are larger. The 100-mile radius contains 230 larger places.

Winfield in state context

Set beside Texas's 1,224 places, Winfield ranks 1,023rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Winfield stands 757th among Texas's 1,224 places — roughly the 38th percentile. At about 543 people per square mile, Winfield is the 851st most densely settled place in Texas. The population moved by about 4 people between 2020 and 2023, a 1.0% shift.

The state rulebook for Winfield

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Winfield lender must follow.

What to do before borrowing in Winfield

For Winfield's roughly 422 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Texas regulator's licence records before you sign.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Decide the purpose and how you will repay it before approaching any lender.

In Winfield as elsewhere in Texas, the written terms — not the advertisement — are what count for its 422 residents.

How a Winfield personal loan is priced

With roughly 422 residents, Winfield is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Winfield's 422 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Winfield loan raises the monthly payment but cuts the interest; lengthening it does the reverse.