Personal loans in Appleby, TX
Census figures put the 2020-to-2023 increase in Appleby at about 0.4%. An estimated 552 people make their home in Appleby, a figure that ranks 951st in Texas.
Appleby is a small community of about 552 residents, and a personal loan taken out here is governed by Texas statute. If debt is already a strain, a nonprofit credit counsellor can help Appleby residents before they take on more. Every figure below is Texas's own, applied to Appleby's 552 residents, with the publisher and retrieval date attached. Borrowers who want a bigger city can look to Nacogdoches, TX about 8 miles away.
The Appleby data picture
Set out below is Appleby's local context next to the state-level rules that reach every lender here.
- Population: about 552 people live here, which puts Appleby 951st of 1,224 Census places in Texas (Vintage 2023).
- Population trend: A gain of roughly 0.4% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 2 residents.
- Size percentile: about 22% of Texas communities are smaller than Appleby (552 residents).
- Population density: about 256 people per square mile (Census land area 2.2 sq mi).
- Land area: Appleby covers 2.2 square miles, the 649th-largest area among Texas's 1,224 places.
- Share of Texas: Appleby holds about 0.0% of the state's population, some 552 people.
- National rank: Appleby is the 12,753rd most populous of the 19,457 Census places covered here.
- Growth in Texas: Appleby stands 814th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Appleby moved 0.4%.
- Density rank: Appleby places 1,074th among Texas's places by people per square mile.
- Against the state median: Appleby runs about 256 residents per square mile, where the Texas median is 840.
- Location: coordinates 31.7170, -94.6078 (US Census Bureau Gazetteer).
- Nearest larger cities: Nacogdoches (8 mi); Garrison (10 mi); Cushing (15 mi); Timpson (18 mi); Wells (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Mount Enterprise (14 mi); Chireno (22 mi); Reklaw (24 mi).
- Smaller places within 50 miles: 11 of them.
- At 100 miles: 138 larger Census places fall inside that radius.
What a Appleby borrower is actually offered
With roughly 552 residents, Appleby is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Appleby loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Appleby loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Texas rules behind a Appleby personal loan
The rows below set out what a licensed lender must follow in Texas, and so for Appleby's roughly 552 residents.
| 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 |
| 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 |
| 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 |
How Appleby compares across Texas
Among Texas's 1,224 places, Appleby sits at 951st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Appleby stands 814th among Texas's 1,224 places — roughly the 33th percentile. Its roughly 256 residents per square mile place it 1,074th among Texas's places. The population moved by about 2 people between 2020 and 2023, a 0.4% shift.
Where Appleby sits
Appleby's land area is roughly 2.2 square miles, and the Gazetteer records no significant water area within it. With 552 residents, the land area yields roughly 256 people per square mile. The largest place in Texas, Houston, lies about 141 miles away. Within 50 miles of Appleby there are 31 larger Census places. Within the same 50 miles lie 11 smaller Census places.
Lender access in Appleby
With about 256 residents per square mile, Appleby is lightly settled, and 31 larger Census places sit within 50 miles. Whether Appleby has a local branch or not, a Texas-licensed lender can serve its 552 people online on the same terms. The nearest larger city, Nacogdoches, TX about 8 miles away.
Common questions
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Nearby places
- Nacogdoches, TX — population 32,156
- Garrison, TX — population 817
- Mount Enterprise, TX — population 510
- Cushing, TX — population 576
- Timpson, TX — population 1,002
- Chireno, TX — population 377
- Gary City, TX — population 338
- Reklaw, TX — population 344