Personal loans in Fredericksburg, TX

In Fredericksburg, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Fredericksburg gained roughly 4.9% in population across the 2020-to-2023 comparison. Judge Fredericksburg offers on total cost, not on how quickly the money arrives. The nearest larger metro is Kerrville, TX about 22 miles away.

Fredericksburg: the sourced local profile

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

• Population: about 11,542 people live here, which puts Fredericksburg 222nd of 1,224 Census places in Texas (Vintage 2023).
• Population trend: About 4.9% above the 2020 Census base.
• Absolute change: 539 residents added between 2020 and 2023.
• Size percentile: about 82% of Texas's Census places are smaller than Fredericksburg.
• Population density: about 1,208 people per square mile (Census land area 9.6 sq mi).
• Land area rank: Fredericksburg's 9.6 square miles rank 221st of 1,224 places in Texas.
• Water: Fredericksburg holds about 0.05 square miles, the 294th-largest water area in Texas.
• Within Texas: about 0.1% of the state's population lives in Fredericksburg.
• Nationally: Fredericksburg is the 2,838th-largest of 19,457 Census places in the dataset.
• Growth in Texas: Fredericksburg stands 437th by percentage change from 2020 to 2023, among 1,224 places.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Fredericksburg's 4.9%.
• Density rank: Fredericksburg places 395th among Texas's places by people per square mile.
• Against the state median: Fredericksburg runs about 1,208 residents per square mile, where the Texas median is 840.
• Location: the Census Gazetteer records it at 30.2657, -98.8757.
• Nearest larger cities: Kerrville (22 mi); Boerne (34 mi); Lakeway (53 mi); Selma (58 mi); Live Oak (59 mi). Living near a larger metro rarely changes what is available in Fredericksburg.
• Smaller communities close by: Ingram (25 mi); Johnson City (28 mi); Blanco (30 mi), each with its own Census population profile.
• Smaller neighbours: 22 places smaller than Fredericksburg sit within 50 miles.
• Larger places within 100 miles: 32.

Land, water and location for Fredericksburg

Fredericksburg's land area is about 9.6 square miles; a further 0.05 square miles is water. With 11,542 residents, the land area yields roughly 1,208 people per square mile. The state's population centre of gravity, Houston, is roughly 211 miles away. Fredericksburg has 2 larger places within a 50-mile radius. Within the same 50 miles lie 22 smaller Census places.

Which Texas laws govern a loan in Fredericksburg

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

A pre-application checklist for Fredericksburg

For Fredericksburg's roughly 11,542 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Make sure the lender appears in the Texas regulator's licence list.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

None of these steps is Fredericksburg-specific: the same Texas licensing and disclosure rules reach all 11,542 residents.

Fredericksburg's place among Texas's 1,224 places

Set beside Texas's 1,224 places, Fredericksburg ranks 222nd by population and holds about 0.1% of the state total. For population change between 2020 and 2023, Fredericksburg ranks 437th of 1,224 in Texas (about the 64th percentile). By density, at about 1,208 people per square mile, it ranks 395th in Texas. In land area, Fredericksburg ranks 221st among Texas's 1,224 places.

Borrowing reach in Fredericksburg

With about 1,208 residents per square mile, Fredericksburg is moderately settled, and 2 larger Census places sit within 50 miles. Distance to a branch rarely matters for Fredericksburg's 11,542 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Kerrville, TX about 22 miles away.