Personal loans in Carthage, TX

Carthage by the numbers

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: the Census counts 6,601 residents in Carthage (Vintage 2023 subcounty estimate), the 318th-largest figure among Texas's 1,224 places.
• Population trend: Growth of about 0.6% across the 2020-to-2023 comparison.
• Absolute change: 40 residents added between 2020 and 2023.
• Size percentile: about 74% of Texas's Census places are smaller than Carthage.
• Density: roughly 619 residents per square mile, spread over 10.7 sq mi of land.
• Land area: Carthage covers 10.7 square miles, the 202nd-largest area among Texas's 1,224 places.
• Water area rank: Carthage ranks 424th among Texas's 1,224 places, with 0.02 sq mi.
• Share of state population: Carthage's 6,601 residents are about 0.0% of Texas.
• National rank: Carthage is the 4,135th most populous of the 19,457 Census places covered here.
• Growth in Texas: Carthage stands 793rd by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Carthage moved 0.6%.
• Density rank: Carthage is the 800th most densely settled place in Texas.
• Density in context: Carthage's 619 people per square mile sit against a Texas median of 840.
• Location: the Census Gazetteer records it at 32.1520, -94.3371.
• Nearest larger cities: Marshall (27 mi); Henderson (27 mi); Kilgore (35 mi); Longview (35 mi); Shreveport (39 mi). Living near a larger metro rarely changes what is available in Carthage.
• Smaller places close by: Gary City (9 mi); Beckville (9 mi); Tenaha (15 mi).
• Smaller places within 50 miles: 48 of them.
• Larger places within 100 miles: 20.

Carthage: area, density and distance

The Census Gazetteer records 10.7 square miles of land and 0.02 square miles of water within Carthage. Spread across it are roughly 619 residents per square mile. For the state's biggest city, Houston, the distance is roughly 175 miles. Within 50 miles of Carthage there are 7 larger Census places. By land area it ranks 202nd of 1,224 Texas places.

How personal loans work in Carthage

Carthage is a small town of about 6,601 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Carthage lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Carthage loan but raises total interest, so the smallest payment is not the cheapest loan.

The Texas lending rules that reach Carthage

Every row below records a Texas rule, its publisher and its retrieval date — the same rules a Carthage lender must follow.

A pre-application checklist for Carthage

Before you hand your details to a lender in Carthage, where the population is near 6,601:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Texas regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Texas; what changes is your credit file, not the fact that Carthage holds 6,601 people.

Carthage in state context

Among Texas's 1,224 places, Carthage sits at 318th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Carthage ranks 793rd of 1,224 in Texas (about the 35th percentile). By density, at about 619 people per square mile, it ranks 800th in Texas. Between 2020 and 2023 the count changed by roughly 40 residents.