Personal loans in Dimmitt, TX
In Dimmitt, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Roughly 4,071 residents live in Dimmitt, the 419th-largest community in Texas. The next larger city is Hereford, TX about 20 miles away. Census figures put the 2020-to-2023 decrease in Dimmitt at about 2.5%. To lend to Dimmitt's 4,071 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Compare APR, not the interest rate, because the APR folds in most fees on a Dimmitt loan.
Dimmitt: the sourced local profile
Here is the sourced Census picture for Dimmitt, plus the Texas lending rules that apply to a loan taken out here.
- Population: about 4,071 people live here, which puts Dimmitt 419th of 1,224 Census places in Texas (Vintage 2023).
- Population trend: Roughly 2.5% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 103 residents.
- Size percentile: Dimmitt's 4,071 people outrank roughly 66% of the places in Texas.
- Density: roughly 1,292 residents per square mile, spread over 3.1 sq mi of land.
- By land area: Dimmitt ranks 512th among Texas's 1,224 places, at 3.1 sq mi.
- Water area: Dimmitt has 0.11 square miles of water, ranking 216th of 1,224 places in Texas.
- Share of state population: Dimmitt's 4,071 residents are about 0.0% of Texas.
- National rank: Dimmitt sits 5,408th by population among the 19,457 places in this dataset.
- Growth rank: Dimmitt ranks 1,073rd among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Dimmitt's 2.5% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Dimmitt places 355th among Texas's places by people per square mile.
- Against the state median: Dimmitt runs about 1,292 residents per square mile, where the Texas median is 840.
- Location: 34.5479, -102.3068 (US Census Bureau Gazetteer).
- Nearest larger cities: Hereford (20 mi); Tulia (30 mi); Muleshoe (33 mi); Canyon (38 mi); Plainview (41 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Nazareth (12 mi); Hart (16 mi); Springlake (22 mi).
- Smaller places within 50 miles: 19 of them.
- Larger places within 100 miles: 17.
Texas rules behind a Dimmitt personal loan
These are Texas's sourced lending facts as they reach Dimmitt's 4,071 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| 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 |
Steps to take before a Dimmitt loan
These steps shape the offer you get in Dimmitt, a place of about 4,071 people:
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Look the lender up in the Texas regulator's licence records before you sign.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
In Dimmitt as elsewhere in Texas, the written terms — not the advertisement — are what count for its 4,071 residents.
How personal loans work in Dimmitt
With roughly 4,071 residents, Dimmitt is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dimmitt. Because the payment is fixed, the total cost of a Dimmitt loan is knowable in advance — unlike a revolving card balance.
What is available to Dimmitt borrowers
Dimmitt is moderately settled, with about 1,292 people per square mile and 6 larger places within 50 miles. Lenders licensed in Texas reach Dimmitt's 4,071 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Hereford, TX about 20 miles away.
Dimmitt against the rest of Texas
Against Texas's other places, Dimmitt accounts for about 0.0% of the state's population and ranks 419th of 1,224 by size. Its 2020-to-2023 change ranks 1,073rd of 1,224 Texas places, putting it near the 12th percentile for growth. Its roughly 1,292 residents per square mile place it 355th among Texas's places. Within 50 miles sit 19 smaller Census places, alongside the 6 that are larger.
Common questions
What are my options in Dimmitt if my credit is poor?
What loan size can I expect in Dimmitt?
Do I have to pledge anything to borrow in Dimmitt?
Does comparing loans in Dimmitt cost me credit score points?
Nearby places
- Nazareth, TX — population 304
- Hart, TX — population 855
- Hereford, TX — population 14,752
- Springlake, TX — population 141
- Earth, TX — population 897
- Olton, TX — population 1,926
- Friona, TX — population 4,057
- Happy, TX — population 608