Personal loans in Byers, TX
Byers is a small community in Texas, with an estimated 472 residents, and every licensed lender here follows the same state rulebook. Byers ranks 991st of 1,224 places in Texas, with a population near 472.
A 2020-to-2023 comparison shows Byers up by about 5.4%. Every figure below is Texas's own, applied to Byers's 472 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Byers lender. The nearest larger city is Petrolia, TX about 5 miles away.
Byers: population, trend and location
The figures below are Byers's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: 472 — Byers ranks 991st of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: About 5.4% above the 2020 Census base.
- Absolute change: 24 residents added between 2020 and 2023.
- Size percentile: about 19% of Texas communities are smaller than Byers (472 residents).
- Density: the Census land area of 1.0 sq mi holds about 475 people per square mile.
- Land area: Byers covers 1.0 square miles, the 1,015th-largest area among Texas's 1,224 places.
- Water: Byers holds about 0.02 square miles, the 426th-largest water area in Texas.
- Within Texas: about 0.0% of the state's population lives in Byers.
- National standing: Byers ranks 13,391st of 19,457 US places.
- Growth rank: Byers ranks 417th among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Byers's 5.4%.
- Density rank: Byers places 899th among Texas's places by people per square mile.
- Against the state median: Byers runs about 475 residents per square mile, where the Texas median is 840.
- Location: mapped by the US Census Bureau at 34.0692, -98.1909.
- Nearest larger cities: Petrolia (5 mi); Waurika (12 mi); Ryan (14 mi); Temple (14 mi); Dean (16 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Hastings (12 mi); Sugden (12 mi); Jolly (16 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 22 of them.
- Within 100 miles: 186 places are larger than Byers.
Byers's place among Texas's 1,224 places
Set beside Texas's 1,224 places, Byers ranks 991st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Byers stands 417th among Texas's 1,224 places — roughly the 66th percentile. Its roughly 475 residents per square mile place it 899th among Texas's places. By land area, its 1.0 square miles rank 1,015th of 1,224 places in Texas.
Inside a Byers personal loan
In Byers, a small community of about 472, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Byers's 472 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Byers decides the split between a comfortable payment and the total interest you pay.
The geography behind Byers
Byers's land area is about 1.0 square miles; a further 0.02 square miles is water. The resulting density is about 475 people per square mile. The largest place in Texas, Houston, lies about 338 miles away. Within 50 miles of Byers there are 34 larger Census places. By land area it ranks 1,015th of 1,224 Texas places.
How lenders reach Byers
Byers is lightly settled, with about 475 people per square mile and 34 larger places within 50 miles. Lenders licensed in Texas reach Byers's 472 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Petrolia, TX about 5 miles away.
The state rulebook for Byers
Texas has no separate rate rule for Byers; the sourced rows below are what reach every lender that serves its 472 people.
| 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 |
Common questions
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Nearby places
- Petrolia, TX — population 539
- Hastings, OK — population 105
- Waurika, OK — population 1,838
- Temple, OK — population 837
- Sugden, OK — population 23
- Ryan, OK — population 668
- Jolly, TX — population 179
- Henrietta, TX — population 3,239