Personal loans in Annona, TX

A lender serving Annona holds a Texas licence and answers to a Texas regulator; no city office is involved for its 185 residents. Annona is home to roughly 185 people and stands 1,167th by size out of 1,224 Census places in Texas. Census data show virtually no population shift in Annona between 2020 and 2023. Use the calculator on this page to price an amount and term before you commit in Annona. The nearest larger city is Avery, TX about 8 miles away. A single loan can carry different costs on either side of a state line, and Annona sits on the Texas side of that line.

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 Annona

The figures below are Annona's own — Census population, land area and coordinates — followed by the Texas rules.

Borrowing reach in Annona

Annona is lightly settled, with about 231 people per square mile and 49 larger places within 50 miles. Distance to a branch rarely matters for Annona's 185 residents: the application is online and the price follows your credit file. The nearest bigger place is Avery, TX about 8 miles away.

A practical checklist for Annona borrowers

Before you hand your details to a lender in Annona, where the population is near 185:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Read the disclosure for an origination fee and any prepayment penalty before signing.
  7. Test the payment against your current bills before you commit.

None of these steps is Annona-specific: the same Texas licensing and disclosure rules reach all 185 residents.

The Texas lending rules that reach Annona

When Texas does not publish a figure, the row links to the source instead of inventing a number; Annona is bound by the same rules.

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
Small-loan / installment lender licensingLicense required for non-depository lenders charging more than 10% interest; Chapter 342 governs consumer loans (Tex. Fin. Code § 342.051)
Source says: Non-depository lenders who engage in making, transacting, or collecting loans with a rate of interest greater than 10% must be licensed by the OCCC.
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

Annona in state context

Annona is the 1,167th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 857th of 1,224 Texas places, putting it near the 30th percentile for growth. By density, at about 231 people per square mile, it ranks 1,099th in Texas. Within 50 miles sit 9 smaller Census places, alongside the 49 that are larger.

Land, water and location for Annona

Annona's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 231 people per square mile. The largest place in Texas, Houston, lies about 264 miles away. A 50-mile radius around Annona takes in 49 places that are larger. The 100-mile radius contains 227 larger 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 Annona 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 Annona is the same as anywhere in Texas.
What loan size can I expect in Annona?
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 Annona?
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 Annona 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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