Personal loans in Cool, TX

By population, Cool sits at 1,138th in Texas, with an estimated 230 residents. A larger market lies at Millsap, TX about 3 miles away. Every figure below is Texas's own, applied to Cool's 230 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Cool lender.

Cool by the numbers

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

• Population: 230 — Cool ranks 1,138th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: Roughly 11.1% more residents than the 2020 Census counted.
• People gained or lost: about 23 more since the 2020 base.
• Size percentile: Cool's 230 people outrank roughly 7% of the places in Texas.
• Density: roughly 140 residents per square mile, spread over 1.6 sq mi of land.
• Land area: Cool covers 1.6 square miles, the 808th-largest area among Texas's 1,224 places.
• Share of Texas: Cool holds about 0.0% of the state's population, some 230 people.
• National rank: Cool sits 16,007th by population among the 19,457 places in this dataset.
• Growth rank: Cool ranks 199th among Texas's 1,224 places for the 2020-to-2023 change.
• Versus Texas: the state average change is +6.5%, while Cool moved 11.1%.
• Density rank: Cool is the 1,165th most densely settled place in Texas.
• Density vs Texas: Cool's 140 people per square mile compare with a state median of 840.
• Location: 32.7983 / -98.0123, per the US Census Bureau Gazetteer.
• Nearest larger cities: Millsap (3 mi); Mineral Wells (4 mi); Peaster (9 mi); Dennis (14 mi); Weatherford (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Corral City (50 mi); Megargel (70 mi); Carl's Corner (75 mi).
• Smaller neighbours: 1 places smaller than Cool sit within 50 miles.
• Within 100 miles: 299 places are larger than Cool.

The geography behind Cool

The Census Gazetteer records about 1.6 square miles of land within Cool, with no significant water area listed. That land carries about 140 people per square mile. Houston, the largest place in Texas, is about 259 miles from Cool. Cool has 80 larger places within a 50-mile radius. Within the same 50 miles lie 1 smaller Census places.

Texas rules behind a Cool personal loan

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

Where Cool sits in Texas

Against Texas's other places, Cool accounts for about 0.0% of the state's population and ranks 1,138th of 1,224 by size. On the 2020-to-2023 trend, Cool stands 199th among Texas's 1,224 places — roughly the 84th percentile. Its roughly 140 residents per square mile place it 1,165th among Texas's places. Between 2020 and 2023 the count changed by roughly 23 residents.

What shapes a Cool personal loan

Cool is a small community of about 230 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Cool's rank of 1,138th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Cool loan is knowable in advance — unlike a revolving card balance.

A pre-application checklist for Cool

Before you hand your details to a lender in Cool, where the population is near 230:

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. Confirm the Texas licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
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 Cool holds 230 people.