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.
Chillicothe: population, trend and location
The figures below are Chillicothe's own — Census population, land area and coordinates — followed by the Texas rules.
- Population: the Census counts 542 residents in Chillicothe (Vintage 2023 subcounty estimate), the 957th-largest figure among Texas's 1,224 places.
- Population trend: A loss of roughly 2.0% between 2020 and 2023.
- Net change: roughly 11 fewer people than the 2020 Census counted.
- Size percentile: roughly 22% of Texas places rank below Chillicothe.
- Population density: about 531 people per square mile (Census land area 1.0 sq mi).
- Land area rank: Chillicothe's 1.0 square miles rank 1,005th of 1,224 places in Texas.
- Share of Texas: Chillicothe holds about 0.0% of the state's population, some 542 people.
- National rank: Chillicothe is the 12,830th most populous of the 19,457 Census places covered here.
- Growth rank: Chillicothe ranks 1,043rd among Texas's 1,224 places for the 2020-to-2023 change.
- Versus Texas: the state average change is +6.5%, while Chillicothe moved 2.0%.
- Density rank: Chillicothe places 861st among Texas's places by people per square mile.
- Density vs Texas: Chillicothe's 531 people per square mile compare with a state median of 840.
- Location: it lies at 34.2557, -99.5141 in the Census Gazetteer.
- Nearest larger cities: Quanah (13 mi); Vernon (14 mi); Crowell (22 mi); Tipton (27 mi); Altus (30 mi). Larger metros often have more branches, but online lenders reach Chillicothe on the same terms.
- Nearest smaller towns: Eldorado (17 mi); Elmer (18 mi); Olustee (21 mi) — useful context for the surrounding area.
- Smaller neighbours: 16 places smaller than Chillicothe sit within 50 miles.
- At 100 miles: 73 larger Census places fall inside that radius.
A pre-application checklist for Chillicothe
Before you hand your details to a lender in Chillicothe, where the population is near 542:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Test your amount and term in the personal loan calculator first.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Texas licence with the regulator named above before committing.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- 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.
| 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 |
| Payday lending status | Legal 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 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 |
Common questions
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What loan size can I expect in Chillicothe?
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Nearby places
- Quanah, TX — population 2,226
- Vernon, TX — population 9,788
- Eldorado, OK — population 314
- Elmer, OK — population 63
- Olustee, OK — population 464
- Crowell, TX — population 750
- East Duke, OK — population 392
- Davidson, OK — population 245