Personal loans in Chillicothe, TX

With 542 residents, Chillicothe outranks about 22% of the communities in Texas. Chillicothe counts about 542 people, and what is genuinely local about borrowing here is limited — Texas law does the governing. Judge Chillicothe offers on total cost, not on how quickly the money arrives. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Chillicothe's 542 residents. From the 2020 Census base to the 2023 estimate, the population declined by about 2.0%. Borrowers who want a bigger city can look to Quanah, TX about 13 miles away.

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.

Chillicothe: population, trend and location

The figures below are Chillicothe's own — Census population, land area and coordinates — followed by the Texas rules.

A pre-application checklist for Chillicothe

Before you hand your details to a lender in Chillicothe, where the population is near 542:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Chillicothe-specific: the same Texas licensing and disclosure rules reach all 542 residents.

Where Chillicothe sits

The Census Gazetteer records about 1.0 square miles of land within Chillicothe, with no significant water area listed. With 542 residents, the land area yields roughly 531 people per square mile. The largest place in Texas, Houston, lies about 392 miles away. A 50-mile radius around Chillicothe takes in 16 places that are larger. The 100-mile radius contains 73 larger places.

What is available to Chillicothe borrowers

At roughly 531 people per square mile, Chillicothe is moderately settled; 16 larger places lie within 50 miles. Distance to a branch rarely matters for Chillicothe's 542 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Quanah, TX about 13 miles away.

Chillicothe in state context

Chillicothe is the 957th-largest of 1,224 Census places in Texas and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Chillicothe stands 1,043rd among Texas's 1,224 places — roughly the 15th percentile. By density, at about 531 people per square mile, it ranks 861st in Texas. In land area, Chillicothe ranks 1,005th among Texas's 1,224 places.

Texas rules behind a Chillicothe personal loan

Texas has no separate rate rule for Chillicothe; the sourced rows below are what reach every lender that serves its 542 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
Payday lending statusLegal 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
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

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