Personal loans in Addison, TX
State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Addison's 17,100 residents. By population, Addison sits at 171st in Texas, with an estimated 17,100 residents.
Addison is a small town of about 17,100 residents, and a personal loan taken out here is governed by Texas statute. Census figures put the 2020-to-2023 increase in Addison at about 0.1%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Addison's 17,100 residents are no exception. For a bigger market, look to Farmers Branch, TX about 4 miles away.
Addison: population, trend and location
What follows is Addison's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: a Census-estimated 17,100, 171st among Texas's 1,224 places (Vintage 2023).
- Population trend: Up about 0.1% from the 2020 Census base to the 2023 estimate.
- Absolute change: 13 residents added between 2020 and 2023.
- Size percentile: with 17,100 residents, Addison is larger than about 86% of Texas's Census places.
- Population density: 3,928 people per square mile on 4.4 square miles of land.
- Land area rank: Addison's 4.4 square miles rank 410th of 1,224 places in Texas.
- Within Texas: about 0.1% of the state's population lives in Addison.
- National rank: Addison is 2,141st of 19,457 places nationwide.
- Growth in Texas: Addison stands 846th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Addison moved 0.1%.
- Density in Texas: Addison ranks 30th by people per square mile.
- Density in context: Addison's 3,928 people per square mile sit against a Texas median of 840.
- Location: mapped by the US Census Bureau at 32.9637, -96.8338.
- Nearest larger cities: Farmers Branch (4 mi); Carrollton (4 mi); Richardson (7 mi); Plano (8 mi); University Park (8 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Hebron (6 mi); Highland Park (9 mi); Hackberry (14 mi), each with its own Census population profile.
- Smaller places within 50 miles: 126 of them.
- Within 100 miles: 76 places are larger than Addison.
What is available to Addison borrowers
Addison is a fairly dense community of about 17,100 people, with 65 larger places inside a 50-mile radius. Whether Addison has a local branch or not, a Texas-licensed lender can serve its 17,100 people online on the same terms. The nearest bigger place is Farmers Branch, TX about 4 miles away.
Where Addison sits in Texas
Among Texas's 1,224 places, Addison sits at 171st for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Addison stands 846th among Texas's 1,224 places — roughly the 31th percentile. At about 3,928 people per square mile, Addison is the 30th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 13 residents.
The Texas lending rules that reach Addison
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Addison lender must follow.
| 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 |
| 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 |
| Maximum legal interest rate (usury cap) | 10% per year maximum; a greater rate is usurious unless otherwise provided by law (Tex. Fin. Code § 302.001) Source says: The maximum rate or amount of interest is 10 percent a year except as otherwise provided by law. | Texas Legislature (Texas Constitution and Statutes) as of 2026-09-16 |
How personal loans work in Addison
With roughly 17,100 residents, Addison is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Addison lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Addison loan but raises total interest, so the smallest payment is not the cheapest loan.
Addison: area, density and distance
Addison's land area is roughly 4.4 square miles, and the Gazetteer records no significant water area within it. That land carries about 3,928 people per square mile. For the state's biggest city, Houston, the distance is roughly 236 miles. Counting outward 50 miles, 65 larger communities surround Addison. The 100-mile radius contains 76 larger places.
Common questions
What are my options in Addison if my credit is poor?
What loan size can I expect in Addison?
Do I have to pledge anything to borrow in Addison?
Does comparing loans in Addison cost me credit score points?
Nearby places
- Farmers Branch, TX — population 36,917
- Carrollton, TX — population 132,918
- Hebron, TX — population 224
- University Park, TX — population 24,954
- Plano, TX — population 290,190
- Richardson, TX — population 117,435
- Highland Park, TX — population 8,642
- The Colony, TX — population 45,471