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.

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.

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.

Steps to take before a Andrews loan

A sensible order of operations for a loan in Andrews, home to about 13,502 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Decide the purpose and how you will repay it before approaching any lender.
  7. 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.

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
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 statusLegal 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.

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 Andrews 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 Andrews is the same as anywhere in Texas.
What loan size can I expect in Andrews?
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 Andrews?
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 Andrews 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.

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