Personal loans in Bishop Hills, TX

For a borrower among the roughly 201 residents of Bishop Hills, a personal loan is a tool whose cost turns on the terms, not the address. Judge Bishop Hills offers on total cost, not on how quickly the money arrives.

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.

About 201 people live in Bishop Hills, placing it 1,156th of 1,224 Census places in Texas. Every figure below is Texas's own, applied to Bishop Hills's 201 residents, with the publisher and retrieval date attached. Census figures put the 2020-to-2023 decrease in Bishop Hills at about 4.7%. The nearest larger city is Amarillo, TX about 8 miles away.

Bishop Hills: the sourced local profile

What follows is Bishop Hills's place in the Census record, alongside the Texas rules that govern a personal loan made here.

Bishop Hills in state context

Set beside Texas's 1,224 places, Bishop Hills ranks 1,156th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Bishop Hills stands 1,192nd among Texas's 1,224 places — roughly the 3th percentile. By density, at about 642 people per square mile, it ranks 780th in Texas. Between 2020 and 2023 the count changed by roughly 10 residents.

How lenders reach Bishop Hills

Bishop Hills is moderately settled, with about 642 people per square mile and 18 larger places within 50 miles. A Texas licence lets a lender serve Bishop Hills without a local office, so branch density does not change what its 201 residents are offered. For a larger market, the closest option is Amarillo, TX about 8 miles away.

What shapes a Bishop Hills personal loan

Bishop Hills is a small community of about 201 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Bishop Hills loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Bishop Hills decides the split between a comfortable payment and the total interest you pay.

The Texas lending rules that reach Bishop Hills

The rows below set out what a licensed lender must follow in Texas, and so for Bishop Hills's roughly 201 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
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
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

Bishop Hills: area, density and distance

The Census Gazetteer records about 0.3 square miles of land within Bishop Hills, with no significant water area listed. That land carries about 642 people per square mile. The state's population centre of gravity, Houston, is roughly 538 miles away. Counting outward 50 miles, 18 larger communities surround Bishop Hills. Within the same 50 miles lie 2 smaller Census 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 Bishop Hills 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 Bishop Hills is the same as anywhere in Texas.
What loan size can I expect in Bishop Hills?
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 Bishop Hills?
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 Bishop Hills 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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