Personal loans in Andrews, TX
The roughly 13,502 people who live in Andrews borrow under Texas rules; city hall sets no personal-loan rate. An estimated 13,502 people make their home in Andrews, a figure that ranks 207th in Texas. The next larger city is Odessa, TX about 33 miles away. Population in Andrews climbed about 0.1% over the three years from 2020 to 2023. Every figure below is Texas's own, applied to Andrews's 13,502 residents, with the publisher and retrieval date attached. For a community of about 13,502, the practical step is to compare APR across at least three lenders before committing.
What the Census records for Andrews
What follows is Andrews's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: 13,502 residents; Andrews is the 207th-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
- Population trend: Growth of about 0.1% across the 2020-to-2023 comparison.
- Absolute change: 16 residents added between 2020 and 2023.
- Size percentile: bigger than about 83% of the places in Texas, with 13,502 residents in Andrews.
- Density: roughly 1,943 residents per square mile, spread over 7.0 sq mi of land.
- By land area: Andrews ranks 291st among Texas's 1,224 places, at 7.0 sq mi.
- Water area: Andrews has 0.01 square miles of water, ranking 530th of 1,224 places in Texas.
- Share of state population: Andrews's 13,502 residents are about 0.1% of Texas.
- National rank: Andrews sits 2,548th by population among the 19,457 places in this dataset.
- Growth in Texas: Andrews stands 842nd by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Andrews's 0.1% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Andrews places 185th among Texas's places by people per square mile.
- Against the state median: Andrews runs about 1,943 residents per square mile, where the Texas median is 840.
- Location: it lies at 32.3213, -102.5518 in the Census Gazetteer.
- Nearest larger cities: Odessa (33 mi); Midland (33 mi); Hobbs (45 mi); Big Spring (63 mi); Lubbock (94 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Goldsmith (24 mi); Seminole (28 mi); Eunice (36 mi).
- Smaller neighbours: 10 places smaller than Andrews sit within 50 miles.
- Larger places within 100 miles: 6.
Steps to take before a Andrews loan
A sensible order of operations for a loan in Andrews, home to about 13,502 people:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Test your amount and term in the personal loan calculator first.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Texas licence with the regulator listed on this page.
- Borrow only what the purpose requires, not the maximum you are offered.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
What differs between Andrews and the rest of Texas is not the process but the borrower's own file, among the 13,502 people here.
Lender access in Andrews
At roughly 1,943 people per square mile, Andrews is moderately settled; 3 larger places lie within 50 miles. A Texas licence lets a lender serve Andrews without a local office, so branch density does not change what its 13,502 residents are offered. For a larger market, the closest option is Odessa, TX about 33 miles away.
Andrews's place among Texas's 1,224 places
Set beside Texas's 1,224 places, Andrews ranks 207th by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Andrews ranks 842nd of 1,224 in Texas (about the 31th percentile). By density, at about 1,943 people per square mile, it ranks 185th in Texas. The population moved by about 16 people between 2020 and 2023, a 0.1% shift.
What Texas law requires in Andrews
For the roughly 13,502 residents of Andrews, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
Where Andrews sits
The Census Gazetteer records 7.0 square miles of land and 0.01 square miles of water within Andrews. That land carries about 1,943 people per square mile. The state's population centre of gravity, Houston, is roughly 459 miles away. Counting outward 50 miles, 3 larger communities surround Andrews. By land area it ranks 291st of 1,224 Texas places.
Common questions
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Nearby places
- Goldsmith, TX — population 226
- Seminole, TX — population 7,231
- Odessa, TX — population 115,743
- Midland, TX — population 138,397
- Eunice, NM — population 2,944
- Seagraves, TX — population 2,227
- Jal, NM — population 2,105
- Denver City, TX — population 4,301