Personal loans in Anna, TX
Which products a lender may offer to Anna's 27,501 residents follows from the Texas consumer-lending framework. The roughly 27,501 people who live in Anna borrow under Texas rules; city hall sets no personal-loan rate.
At about 27,501 residents, Anna is larger than roughly 90% of the places in Texas. Census figures put the 2020-to-2023 increase in Anna at about 62.8%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Anna's 27,501 residents are no exception. The closest larger place is Princeton, TX about 12 miles away.
Anna by the numbers
The figures below are Anna's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: an estimated 27,501 residents, 118th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 62.8% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 10,610 residents.
- Size percentile: about 90% of Texas communities are smaller than Anna (27,501 residents).
- Density: the Census land area of 17.9 sq mi holds about 1,535 people per square mile.
- Land area rank: Anna's 17.9 square miles rank 131st of 1,224 places in Texas.
- Water area: Anna has 0.10 square miles of water, ranking 226th of 1,224 places in Texas.
- Share of Texas: Anna holds about 0.1% of the state's population, some 27,501 people.
- National rank: Anna is the 1,429th most populous of the 19,457 Census places covered here.
- Growth rank: Anna ranks 22nd among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Anna's 62.8% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Anna places 273rd among Texas's places by people per square mile.
- Density vs Texas: Anna's 1,535 people per square mile compare with a state median of 840.
- Location: latitude 33.3482, longitude -96.5535 (Census Gazetteer).
- Nearest larger cities: Princeton (12 mi); McKinney (12 mi); Celina (14 mi); Prosper (17 mi); Allen (18 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Melissa (4 mi); Van Alstyne (5 mi); Weston (7 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 119 of them.
- Larger places within 100 miles: 48.
How personal loans work in Anna
In Anna, a smaller city of about 27,501, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Anna's 27,501 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Anna loan is knowable in advance — unlike a revolving card balance.
Anna in state context
Among Texas's 1,224 places, Anna sits at 118th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Anna ranks 22nd of 1,224 in Texas (about the 98th percentile). Its roughly 1,535 residents per square mile place it 273rd among Texas's places. In land area, Anna ranks 131st among Texas's 1,224 places.
A pre-application checklist for Anna
Before you apply in Anna, a community of about 27,501, work through these steps:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Texas licence with the regulator listed on this page.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
In Anna as elsewhere in Texas, the written terms — not the advertisement — are what count for its 27,501 residents.
Texas consumer-lending rules applied in Anna
Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Anna 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 |
The geography behind Anna
The Census Gazetteer records 17.9 square miles of land and 0.10 square miles of water within Anna. That land carries about 1,535 people per square mile. For the state's biggest city, Houston, the distance is roughly 256 miles. Anna has 32 larger places within a 50-mile radius. By land area it ranks 131st of 1,224 Texas places.
Common questions
What are my options in Anna if my credit is poor?
What loan size can I expect in Anna?
Do I have to pledge anything to borrow in Anna?
Does comparing loans in Anna cost me credit score points?
Nearby places
- Melissa, TX — population 23,571
- Van Alstyne, TX — population 6,782
- Weston, TX — population 816
- New Hope, TX — population 675
- Blue Ridge, TX — population 1,200
- Princeton, TX — population 28,027
- Howe, TX — population 3,673
- Lowry Crossing, TX — population 1,680