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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

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.

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.

RuleDetailSource
State lending regulatorTexas 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 licensingLicense 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Addison if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Addison is the same as anywhere in Texas.
What loan size can I expect in Addison?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Addison?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Addison cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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