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.

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.

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.

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.

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
Small-loan / installment lender licensingLicense 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

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 Byers 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 Byers is the same as anywhere in Texas.
What loan size can I expect in Byers?
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 Byers?
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 Byers 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.

Nearby places

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