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.
What the Census records for Annona
The figures below are Annona's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: the Census counts 185 residents in Annona (Vintage 2023 subcounty estimate), the 1,167th-largest figure among Texas's 1,224 places.
- Population trend: The 2020-to-2023 change is under a tenth of a percent.
- Size percentile: roughly 5% of Texas places rank below Annona.
- Density: the Census land area of 0.8 sq mi holds about 231 people per square mile.
- Land area rank: Annona's 0.8 square miles rank 1,067th of 1,224 places in Texas.
- Share of Texas: Annona holds about 0.0% of the state's population, some 185 people.
- National standing: Annona ranks 16,697th of 19,457 US places.
- Growth in Texas: Annona stands 857th by percentage change from 2020 to 2023, among 1,224 places.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Annona's 0.0%.
- Density in Texas: Annona ranks 1,099th by people per square mile.
- Density vs Texas: Annona's 231 people per square mile compare with a state median of 840.
- Location: 33.5818 / -94.9131, per the US Census Bureau Gazetteer.
- Nearest larger cities: Avery (8 mi); Clarksville (8 mi); De Kalb (18 mi); Talco (19 mi); Bogata (19 mi). Larger metros often have more branches, but online lenders reach Annona on the same terms.
- Smaller towns nearby: Garvin (26 mi); Sun Valley (30 mi); Miller's Cove (32 mi).
- Smaller neighbours: 9 places smaller than Annona sit within 50 miles.
- At 100 miles: 227 larger Census places fall inside that radius.
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:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Make sure the lender appears in the Texas regulator's licence list.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- 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.
| 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 |
| Small-loan / installment lender licensing | License 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.
Common questions
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Nearby places
- Avery, TX — population 435
- Clarksville, TX — population 2,876
- Talco, TX — population 488
- De Kalb, TX — population 1,461
- Bogata, TX — population 1,095
- Idabel, OK — population 6,971
- Detroit, TX — population 707
- Haworth, OK — population 284