Personal loans in Fulton, TX
If you are weighing a personal loan in Fulton, start from the payment you can carry; its 1,592 residents face the same statewide rules. A 2020-to-2023 comparison shows Fulton up by about 4.5%.
With 1,592 residents, Fulton outranks about 45% of the communities in Texas. Use the calculator on this page to price an amount and term before you commit in Fulton. Consumer lending that reaches Fulton's 1,592 residents is governed by Texas statute; no city ordinance changes it. The closest larger city is Rockport, TX about 2 miles away.
Borrowing in Fulton: the local picture
Fulton is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 1,592, 672nd among Texas's 1,224 places (Vintage 2023).
- Population trend: Roughly 4.5% more residents than the 2020 Census counted.
- People gained or lost: about 68 more since the 2020 base.
- Size percentile: Fulton sits ahead of around 45% of Texas places, at 1,592 people.
- Population density: about 1,132 people per square mile (Census land area 1.4 sq mi).
- Land area rank: Fulton's 1.4 square miles rank 887th of 1,224 places in Texas.
- Water area rank: Fulton ranks 66th among Texas's 1,224 places, with 1.05 sq mi.
- Share of state population: Fulton's 1,592 residents are about 0.0% of Texas.
- National rank: Fulton is 8,490th of 19,457 places nationwide.
- Growth rank: Fulton ranks 466th among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Fulton's 4.5% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Fulton is the 427th most densely settled place in Texas.
- Against the state median: Fulton runs about 1,132 residents per square mile, where the Texas median is 840.
- Location: coordinates 28.0724, -97.0389 (US Census Bureau Gazetteer).
- Nearest larger cities: Rockport (2 mi); Aransas Pass (12 mi); Ingleside (17 mi); Port Aransas (18 mi); Gregory (19 mi). Living near a larger metro rarely changes what is available in Fulton.
- Smaller towns nearby: Bayside (11 mi); Ingleside on the Bay (20 mi); Woodsboro (21 mi).
- Within a 50-mile radius: 7 smaller Census places.
- Within 100 miles: 40 places are larger than Fulton.
Before you apply in Fulton
These steps shape the offer you get in Fulton, a place of about 1,592 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Make sure the lender appears in the Texas regulator's licence list.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
In Fulton as elsewhere in Texas, the written terms — not the advertisement — are what count for its 1,592 residents.
Which Texas laws govern a loan in Fulton
These are Texas's sourced lending facts as they reach Fulton's 1,592 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 |
The geography behind Fulton
Fulton covers about 1.4 square miles of land, with 1.05 square miles of water inside its boundaries (Census Gazetteer). The resulting density is about 1,132 people per square mile. The state's population centre of gravity, Houston, is roughly 155 miles away. A 50-mile radius around Fulton takes in 16 places that are larger. The 100-mile radius contains 40 larger places.
Fulton in state context
Within Texas, Fulton holds roughly 0.0% of all residents, the 672nd-largest share among 1,224 places. Its 2020-to-2023 change ranks 466th of 1,224 Texas places, putting it near the 62th percentile for growth. Its roughly 1,132 residents per square mile place it 427th among Texas's places. Between 2020 and 2023 the count changed by roughly 68 residents.
Borrowing reach in Fulton
Fulton is a moderately settled community of about 1,592 people, with 16 larger places inside a 50-mile radius. What is available to Fulton's 1,592 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Rockport, TX about 2 miles away.
Common questions
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Nearby places
- Rockport, TX — population 10,929
- Aransas Pass, TX — population 8,923
- Bayside, TX — population 273
- Port Aransas, TX — population 3,446
- Ingleside, TX — population 10,147
- Gregory, TX — population 1,724
- Ingleside on the Bay, TX — population 602
- Woodsboro, TX — population 1,280