Personal loans in Cactus, TX

With 3,090 residents, Cactus outranks about 61% of the communities in Texas. Begin with the payment, then weigh APR and total interest across the lenders that reach Cactus's 3,090 residents. State law, not city hall, decides what a lender may do to Cactus's roughly 3,090 residents, and a state regulator supervises it. Borrowers who want a bigger city can look to Dumas, TX about 13 miles away.

Cactus: population, trend and location

Set out below is Cactus's local context next to the state-level rules that reach every lender here.

• Population: about 3,090 people live here, which puts Cactus 482nd of 1,224 Census places in Texas (Vintage 2023).
• Population trend: Roughly 1.3% more residents than the 2020 Census counted.
• People gained or lost: about 40 more since the 2020 base.
• Size percentile: with 3,090 residents, Cactus is larger than about 61% of Texas's Census places.
• Population density: 1,450 people per square mile on 2.1 square miles of land.
• Land area: Cactus covers 2.1 square miles, the 653rd-largest area among Texas's 1,224 places.
• State share: roughly 0.0% of Texas's residents live in Cactus (3,090 people).
• National standing: Cactus ranks 6,184th of 19,457 US places.
• Growth rank: Cactus ranks 719th among Texas's 1,224 places for the 2020-to-2023 change.
• Against the state trend: Cactus's 1.3% change compares with a Texas average of +6.5% across its 1,224 places.
• Density in Texas: Cactus ranks 297th by people per square mile.
• Density in context: Cactus's 1,450 people per square mile sit against a Texas median of 840.
• Location: the Census Gazetteer records it at 36.0444, -102.0080.
• Nearest larger cities: Dumas (13 mi); Dalhart (28 mi); Borger (43 mi); Guymon (54 mi); Amarillo (59 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: Sunray (10 mi); Stratford (21 mi); Channing (31 mi).
• Within a 50-mile radius: 11 smaller Census places.
• At 100 miles: 11 larger Census places fall inside that radius.

Lender access in Cactus

With about 1,450 residents per square mile, Cactus is moderately settled, and 3 larger Census places sit within 50 miles. Lenders licensed in Texas reach Cactus's 3,090 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Dumas, TX about 13 miles away.

Which Texas laws govern a loan in Cactus

These are Texas's sourced lending facts as they reach Cactus's 3,090 residents; the state has no city-level rate rule.

A pre-application checklist for Cactus

These steps shape the offer you get in Cactus, a place of about 3,090 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Texas regulator's licence list.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Pick the shortest term whose payment you can comfortably afford.

What differs between Cactus and the rest of Texas is not the process but the borrower's own file, among the 3,090 people here.

Cactus on the map

Inside Cactus's boundaries lie about 2.1 square miles of land, with no significant water area recorded. With 3,090 residents, the land area yields roughly 1,450 people per square mile. The largest place in Texas, Houston, lies about 578 miles away. Counting outward 50 miles, 3 larger communities surround Cactus. The 100-mile radius contains 11 larger places.

Cactus's place among Texas's 1,224 places

Cactus is the 482nd-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Cactus stands 719th among Texas's 1,224 places — roughly the 41th percentile. Its roughly 1,450 residents per square mile place it 297th among Texas's places. In land area, Cactus ranks 653rd among Texas's 1,224 places.