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.

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.

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.

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:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. 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.

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

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.

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