Personal loans in Clifton, TX

With 3,532 residents, Clifton outranks about 63% of the communities in Texas. Clifton is a small community of about 3,532 residents, and a personal loan taken out here is governed by Texas statute.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

The 2020 count to the 2023 estimate shows about 1.8% growth in Clifton. Pull your credit reports and line up at least three offers before you apply from Clifton. Consumer lending that reaches Clifton's 3,532 residents is governed by Texas statute; no city ordinance changes it. The closest larger city is Gatesville, TX about 26 miles away.

What the Census records for Clifton

Most of what governs a Clifton loan is written in Texas law rather than in the city; the sourced notes below make that split concrete.

How Clifton compares across Texas

Against Texas's other places, Clifton accounts for about 0.0% of the state's population and ranks 452nd of 1,224 by size. Its 2020-to-2023 change ranks 657th of 1,224 Texas places, putting it near the 46th percentile for growth. At about 1,723 people per square mile, Clifton is the 228th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 64 residents.

A practical checklist for Clifton borrowers

Before you hand your details to a lender in Clifton, where the population is near 3,532:

  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. Shop at least three lenders and judge them on APR and total cost.
  4. Verify the lender's Texas licence with the regulator listed on this page.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Texas; what changes is your credit file, not the fact that Clifton holds 3,532 people.

Borrowing reach in Clifton

At roughly 1,723 people per square mile, Clifton is moderately settled; 21 larger places lie within 50 miles. What is available to Clifton's 3,532 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Gatesville, TX about 26 miles away.

Which Texas laws govern a loan in Clifton

When Texas does not publish a figure, the row links to the source instead of inventing a number; Clifton is bound by the same rules.

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
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
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

Where Clifton sits

Inside Clifton's boundaries lie roughly 2.0 square miles of land and 0.01 square miles of water. The resulting density is about 1,723 people per square mile. The state's population centre of gravity, Houston, is roughly 190 miles away. Clifton has 21 larger places within a 50-mile radius. By land area it ranks 681st of 1,224 Texas places.

Compare personal loan offers Run the numbers first

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

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