Personal loans in Big Lake, TX
Big Lake, Texas — home to about 2,753 people — is a small community, so the terms you are offered follow Texas law rather than any local rule.
To lend to Big Lake's 2,753 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. At about 2,753 residents, Big Lake is larger than roughly 58% of the places in Texas. Begin with the payment, then weigh APR and total interest across the lenders that reach Big Lake's 2,753 residents. Big Lake shed about 7.2% of its population between the 2020 base and the 2023 estimate. The closest larger city is Crane, TX about 55 miles away.
Big Lake by the numbers
What follows is Big Lake's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: an estimated 2,753 residents, 517th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 7.2% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 215 residents.
- Size percentile: Big Lake sits ahead of around 58% of Texas places, at 2,753 people.
- Population density: about 1,153 people per square mile (Census land area 2.4 sq mi).
- Land area: Big Lake covers 2.4 square miles, the 611th-largest area among Texas's 1,224 places.
- Share of Texas: Big Lake holds about 0.0% of the state's population, some 2,753 people.
- National rank: Big Lake is 6,547th of 19,457 places nationwide.
- Growth rank: Big Lake's 2020-to-2023 change ranks 1,216th of 1,224 places in Texas.
- Against the state trend: Big Lake's 7.2% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Big Lake is the 420th most densely settled place in Texas.
- Density vs Texas: Big Lake's 1,153 people per square mile compare with a state median of 840.
- Location: the Census Gazetteer records it at 31.1941, -101.4534.
- Nearest larger cities: Crane (55 mi); San Angelo (62 mi); Midland (69 mi); Odessa (71 mi); Big Spring (72 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Rankin (29 mi); Iraan (33 mi); Mertzon (38 mi).
- Within a 50-mile radius: 4 smaller Census places.
- Larger places within 100 miles: 8.
Big Lake on the map
Inside Big Lake's boundaries lie about 2.4 square miles of land, with no significant water area recorded. That land carries about 1,153 people per square mile. The largest place in Texas, Houston, lies about 374 miles away. A 50-mile radius around Big Lake takes in 0 places that are larger. Within the same 50 miles lie 4 smaller Census places.
Texas rules behind a Big Lake personal loan
For the roughly 2,753 residents of Big Lake, the rules below are Texas's own; each row carries its publisher and retrieval date.
| 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 |
Big Lake against the rest of Texas
Set beside Texas's 1,224 places, Big Lake ranks 517th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Big Lake stands 1,216th among Texas's 1,224 places — roughly the 1th percentile. By density, at about 1,153 people per square mile, it ranks 420th in Texas. In land area, Big Lake ranks 611th among Texas's 1,224 places.
Before you apply in Big Lake
These steps shape the offer you get in Big Lake, a place of about 2,753 people:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the lender holds a Texas licence by checking the regulator named above.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Check that the monthly payment fits your budget next to your existing obligations.
None of these steps is Big Lake-specific: the same Texas licensing and disclosure rules reach all 2,753 residents.
How lenders reach Big Lake
Big Lake is moderately settled, with about 1,153 people per square mile and 0 larger places within 50 miles. A Texas licence lets a lender serve Big Lake without a local office, so branch density does not change what its 2,753 residents are offered. The nearest larger city, Crane, TX about 55 miles away.
Common questions
What are my options in Big Lake if my credit is poor?
What loan size can I expect in Big Lake?
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Does comparing loans in Big Lake cost me credit score points?
Nearby places
- Rankin, TX — population 733
- Iraan, TX — population 995
- Mertzon, TX — population 766
- McCamey, TX — population 1,717
- Sterling City, TX — population 1,138
- Eldorado, TX — population 1,548
- Crane, TX — population 3,362
- Forsan, TX — population 215