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.

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.

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.

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.

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
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
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

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.

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