Personal loans in Fairchilds, TX

Two households in Fairchilds with comparable incomes can still be offered different rates; the city's 1,000 residents are not the reason. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Fairchilds's 1,000 residents. Compare APR, not the interest rate, because the APR folds in most fees on a Fairchilds loan. The nearest larger metro is Pleak, TX about 3 miles away.

The Fairchilds data picture

Two layers matter for a Fairchilds borrower: the local population picture and Texas's consumer-lending statutes.

• Population: 1,000 people, a figure that places Fairchilds 797th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 15.1% from 2020 to 2023.
• People gained or lost: about 131 more since the 2020 base.
• Size percentile: about 35% of Texas communities are smaller than Fairchilds (1,000 residents).
• Land and density: 2.1 square miles of land carry roughly 467 residents per square mile.
• Land area: Fairchilds covers 2.1 square miles, the 651st-largest area among Texas's 1,224 places.
• Share of Texas: Fairchilds holds about 0.0% of the state's population, some 1,000 people.
• Nationally: Fairchilds is the 10,203rd-largest of 19,457 Census places in the dataset.
• Growth rank: Fairchilds's 2020-to-2023 change ranks 139th of 1,224 places in Texas.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Fairchilds's 15.1%.
• Density rank: Fairchilds is the 906th most densely settled place in Texas.
• Density vs Texas: Fairchilds's 467 people per square mile compare with a state median of 840.
• Location: latitude 29.4366, longitude -95.7770 (Census Gazetteer).
• Nearest larger cities: Pleak (3 mi); Needville (5 mi); Rosenberg (8 mi); Richmond (10 mi); Sugar Land (14 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Thompsons (9 mi); Beasley (9 mi); Kendleton (14 mi).
• Within a 50-mile radius: 19 smaller Census places.
• Within 100 miles: 129 places are larger than Fairchilds.

Fairchilds in state context

Against Texas's other places, Fairchilds accounts for about 0.0% of the state's population and ranks 797th of 1,224 by size. For population change between 2020 and 2023, Fairchilds ranks 139th of 1,224 in Texas (about the 89th percentile). At about 467 people per square mile, Fairchilds is the 906th most densely settled place in Texas. The population moved by about 131 people between 2020 and 2023, a 15.1% shift.

What Texas law requires in Fairchilds

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

Where Fairchilds sits

Inside Fairchilds's boundaries lie about 2.1 square miles of land, with no significant water area recorded. With 1,000 residents, the land area yields roughly 467 people per square mile. The state's population centre of gravity, Houston, is roughly 34 miles away. Fairchilds has 74 larger places within a 50-mile radius. By land area it ranks 651st of 1,224 Texas places.

Getting a loan in Fairchilds

With about 467 residents per square mile, Fairchilds is lightly settled, and 74 larger Census places sit within 50 miles. A Texas licence lets a lender serve Fairchilds without a local office, so branch density does not change what its 1,000 residents are offered. For a larger market, the closest option is Pleak, TX about 3 miles away.

What to do before borrowing in Fairchilds

For Fairchilds's roughly 1,000 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Texas; what changes is your credit file, not the fact that Fairchilds holds 1,000 people.