Personal loans in Buffalo Gap, TX
Buffalo Gap counts about 617 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. An estimated 617 people make their home in Buffalo Gap, a figure that ranks 931st in Texas.
The closest larger city is Tuscola, TX about 5 miles away. From the 2020 Census base to the 2023 estimate, the population rose by about 13.4%. A single loan can carry different costs on either side of a state line, and Buffalo Gap sits on the Texas side of that line. Read the disclosure for an origination fee and any prepayment penalty before signing in Buffalo Gap.
Local context for Buffalo Gap
What follows is Buffalo Gap's place in the Census record, alongside the Texas rules that govern a personal loan made here.
- Population: 617 — Buffalo Gap ranks 931st of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 13.4%.
- Net change: roughly 73 more people than the 2020 Census counted.
- Size percentile: roughly 24% of Texas's places have fewer residents than Buffalo Gap's 617.
- Population density: about 254 people per square mile (Census land area 2.4 sq mi).
- Land area: Buffalo Gap covers 2.4 square miles, the 602nd-largest area among Texas's 1,224 places.
- Share of Texas: Buffalo Gap holds about 0.0% of the state's population, some 617 people.
- Nationally: Buffalo Gap is the 12,305th-largest of 19,457 Census places in the dataset.
- Growth in Texas: Buffalo Gap stands 160th by percentage change from 2020 to 2023, among 1,224 places.
- Versus Texas: the state average change is +6.5%, while Buffalo Gap moved 13.4%.
- Density rank: Buffalo Gap is the 1,080th most densely settled place in Texas.
- Density in context: Buffalo Gap's 254 people per square mile sit against a Texas median of 840.
- Location: it lies at 32.2833, -99.8342 in the Census Gazetteer.
- Nearest larger cities: Tuscola (5 mi); Tye (12 mi); Abilene (13 mi); Merkel (17 mi); Clyde (21 mi). Larger metros often have more branches, but online lenders reach Buffalo Gap on the same terms.
- Smaller communities within reach: Lawn (11 mi); Impact (16 mi); Trent (22 mi).
- Within a 50-mile radius: 10 smaller Census places.
- Within 100 miles: 54 places are larger than Buffalo Gap.
Land, water and location for Buffalo Gap
Inside Buffalo Gap's boundaries lie about 2.4 square miles of land, with no significant water area recorded. The resulting density is about 254 people per square mile. The largest place in Texas, Houston, lies about 315 miles away. A 50-mile radius around Buffalo Gap takes in 18 places that are larger. Within the same 50 miles lie 10 smaller Census places.
Inside a Buffalo Gap personal loan
In Buffalo Gap, a small community of about 617, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Buffalo Gap. Shortening the term on a Buffalo Gap loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Buffalo Gap's place among Texas's 1,224 places
Buffalo Gap is the 931st-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 160th of 1,224 Texas places, putting it near the 87th percentile for growth. At about 254 people per square mile, Buffalo Gap is the 1,080th most densely settled place in Texas. In land area, Buffalo Gap ranks 602nd among Texas's 1,224 places.
How lenders reach Buffalo Gap
At roughly 254 people per square mile, Buffalo Gap is lightly settled; 18 larger places lie within 50 miles. A Texas licence lets a lender serve Buffalo Gap without a local office, so branch density does not change what its 617 residents are offered. The nearest larger city, Tuscola, TX about 5 miles away.
What Texas law requires in Buffalo Gap
These are Texas's sourced lending facts as they reach Buffalo Gap's 617 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 |
| 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 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 |
Common questions
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Nearby places
- Tuscola, TX — population 839
- Lawn, TX — population 310
- Tye, TX — population 1,220
- Abilene, TX — population 129,043
- Impact, TX — population 21
- Merkel, TX — population 2,433
- Hawley, TX — population 567
- Clyde, TX — population 3,985