Personal loans in Bovina, TX
The Census counts 1,649 people in Bovina, the 662nd-largest figure among Texas's 1,224 places. If you are weighing a personal loan in Bovina, start from the payment you can carry; its 1,649 residents face the same statewide rules.
A 2020-to-2023 comparison shows Bovina down by about 2.3%. Compare APR, not the interest rate, because the APR folds in most fees on a Bovina loan. State law, not city hall, decides what a lender may do to Bovina's roughly 1,649 residents, and a state regulator supervises it. The nearest larger metro is Friona, TX about 13 miles away.
Bovina: the sourced local profile
The figures below are Bovina's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: about 1,649 people live here, which puts Bovina 662nd of 1,224 Census places in Texas (Vintage 2023).
- Population trend: Roughly 2.3% fewer residents than the 2020 Census counted.
- People gained or lost: about 39 fewer since the 2020 base.
- Size percentile: roughly 46% of Texas places rank below Bovina.
- Population density: 1,400 people per square mile on 1.2 square miles of land.
- By land area: Bovina ranks 944th among Texas's 1,224 places, at 1.2 sq mi.
- Share of state population: Bovina's 1,649 residents are about 0.0% of Texas.
- National rank: Bovina is 8,349th of 19,457 places nationwide.
- Growth rank: Bovina's 2020-to-2023 change ranks 1,063rd of 1,224 places in Texas.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Bovina's 2.3%.
- Density rank: Bovina is the 316th most densely settled place in Texas.
- Density vs Texas: Bovina's 1,400 people per square mile compare with a state median of 840.
- Location: 34.5157, -102.8847 (US Census Bureau Gazetteer).
- Nearest larger cities: Friona (13 mi); Clovis (18 mi); Muleshoe (22 mi); Dimmitt (33 mi); Hereford (35 mi). Online lenders reach Bovina no matter how far the nearest branch is.
- Smaller communities close by: Farwell (13 mi); Texico (13 mi); Grady (32 mi), each with its own Census population profile.
- Smaller neighbours: 14 places smaller than Bovina sit within 50 miles.
- At 100 miles: 23 larger Census places fall inside that radius.
Texas rules behind a Bovina personal loan
These are Texas's sourced lending facts as they reach Bovina's 1,649 residents; the state has no city-level rate rule.
| 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 |
Bovina against the rest of Texas
Set beside Texas's 1,224 places, Bovina ranks 662nd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Bovina stands 1,063rd among Texas's 1,224 places — roughly the 13th percentile. At about 1,400 people per square mile, Bovina is the 316th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 39 residents.
A practical checklist for Bovina borrowers
Complete these steps first when you borrow in Bovina (1,649 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Make sure the lender appears in the Texas regulator's licence list.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
What differs between Bovina and the rest of Texas is not the process but the borrower's own file, among the 1,649 people here.
Borrowing reach in Bovina
With about 1,400 residents per square mile, Bovina is moderately settled, and 7 larger Census places sit within 50 miles. What is available to Bovina's 1,649 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Friona, TX about 13 miles away.
Where Bovina sits
Inside Bovina's boundaries lie about 1.2 square miles of land, with no significant water area recorded. The resulting density is about 1,400 people per square mile. Houston, the largest place in Texas, is about 547 miles from Bovina. A 50-mile radius around Bovina takes in 7 places that are larger. By land area it ranks 944th of 1,224 Texas places.
Common questions
What are my options in Bovina if my credit is poor?
What loan size can I expect in Bovina?
Do I have to pledge anything to borrow in Bovina?
Does comparing loans in Bovina cost me credit score points?
Nearby places
- Farwell, TX — population 1,380
- Friona, TX — population 4,057
- Texico, NM — population 922
- Clovis, NM — population 37,612
- Muleshoe, TX — population 4,970
- Grady, NM — population 84
- Earth, TX — population 897
- Hereford, TX — population 14,752