Personal loans in Alvord, TX
Census figures put the 2020-to-2023 increase in Alvord at about 14.4%. With an estimated 1,541 residents, Alvord is the 681st-largest of 1,224 places in Texas. Personal loans in Alvord are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,541 population. Judge Alvord offers on total cost, not on how quickly the money arrives. When Texas caps or restricts a product, lenders either change the terms or withdraw it from Alvord as from the rest of the state. A larger market lies at Decatur, TX about 11 miles away.
The Alvord data picture
Most of what governs a Alvord loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.
- Population: a Census-estimated 1,541, 681st among Texas's 1,224 places (Vintage 2023).
- Population trend: Higher by roughly 14.4% since the 2020 count.
- Net change: roughly 194 more people than the 2020 Census counted.
- Size percentile: Alvord's 1,541 people outrank roughly 44% of the places in Texas.
- Population density: 1,012 people per square mile on 1.5 square miles of land.
- Land area rank: Alvord's 1.5 square miles rank 848th of 1,224 places in Texas.
- Within Texas: about 0.0% of the state's population lives in Alvord.
- National rank: Alvord is 8,593rd of 19,457 places nationwide.
- Growth rank: Alvord ranks 146th among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Alvord moved 14.4%.
- Density rank: Alvord is the 507th most densely settled place in Texas.
- Against the state median: Alvord runs about 1,012 residents per square mile, where the Texas median is 840.
- Location: 33.3570, -97.6960 (Census Gazetteer coordinates).
- Nearest larger cities: Decatur (11 mi); Bridgeport (11 mi); Runaway Bay (16 mi); Bowie (16 mi); Boyd (20 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Chico (7 mi); Lake Bridgeport (13 mi); Paradise (14 mi).
- Smaller places within 50 miles: 30 of them.
- Larger places within 100 miles: 207.
The Texas lending rules that reach Alvord
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Alvord 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 |
| 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 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | Texas Office of Consumer Credit Commissioner (OCCC) as of 2026-09-16 |
Alvord on the map
Alvord covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 1,541 residents, the land area yields roughly 1,012 people per square mile. Houston, the largest place in Texas, is about 282 miles from Alvord. A 50-mile radius around Alvord takes in 75 places that are larger. Within the same 50 miles lie 30 smaller Census places.
Alvord in state context
Against Texas's other places, Alvord accounts for about 0.0% of the state's population and ranks 681st of 1,224 by size. On the 2020-to-2023 trend, Alvord stands 146th among Texas's 1,224 places — roughly the 88th percentile. By density, at about 1,012 people per square mile, it ranks 507th in Texas. In land area, Alvord ranks 848th among Texas's 1,224 places.
Inside a Alvord personal loan
Alvord is a small community of about 1,541 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Alvord's 1,541 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Alvord loan but raises total interest, so the smallest payment is not the cheapest loan.
Borrowing reach in Alvord
With about 1,012 residents per square mile, Alvord is moderately settled, and 75 larger Census places sit within 50 miles. Distance to a branch rarely matters for Alvord's 1,541 residents: the application is online and the price follows your credit file. The nearest larger city, Decatur, TX about 11 miles away.
Common questions
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Nearby places
- Chico, TX — population 1,064
- Bridgeport, TX — population 6,514
- Decatur, TX — population 8,016
- Lake Bridgeport, TX — population 369
- Paradise, TX — population 701
- Bowie, TX — population 5,964
- Runaway Bay, TX — population 1,990
- Boyd, TX — population 1,757