Personal loans in Crowley, TX

When Texas caps or restricts a product, lenders either change the terms or withdraw it from Crowley as from the rest of the state. An estimated 19,932 people make their home in Crowley, a figure that ranks 152nd in Texas. Crowley is a small town in Texas, with an estimated 19,932 residents, and every licensed lender here follows the same state rulebook. The 2020 count to the 2023 estimate shows about 10.3% growth in Crowley. Decide the purpose of the loan and your repayment plan before sharing any details with a Crowley lender. The nearest larger city is Burleson, TX about 5 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.

Crowley: the sourced local profile

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

How Crowley compares across Texas

Crowley is the 152nd-largest of 1,224 Census places in Texas and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Crowley stands 213th among Texas's 1,224 places — roughly the 83th percentile. At about 2,645 people per square mile, Crowley is the 106th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 1,867 residents.

What Texas law requires in Crowley

Read the table as a lender's compliance picture for Crowley: the rule, the sourced figure, the publisher and the date.

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

A practical checklist for Crowley borrowers

A sensible order of operations for a loan in Crowley, home to about 19,932 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Model the payment on the calculator before a lender models it for you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the Texas licence with the regulator named above before committing.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

What differs between Crowley and the rest of Texas is not the process but the borrower's own file, among the 19,932 people here.

Land, water and location for Crowley

Inside Crowley's boundaries lie roughly 7.5 square miles of land and 0.01 square miles of water. That land carries about 2,645 people per square mile. The largest place in Texas, Houston, lies about 225 miles away. A 50-mile radius around Crowley takes in 43 places that are larger. The 100-mile radius contains 66 larger places.

What is available to Crowley borrowers

Crowley is a fairly dense community of about 19,932 people, with 43 larger places inside a 50-mile radius. What is available to Crowley's 19,932 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Burleson, TX about 5 miles away.

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