Personal loans in Garland, TX

By population, Garland sits at 13th in Texas, with an estimated 243,470 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Garland loan. State law, not city hall, decides what a lender may do to Garland's roughly 243,470 residents, and a state regulator supervises it. The nearest larger metro is Dallas, TX about 11 miles away.

Where Garland stands

Set out below is Garland's local context next to the state-level rules that reach every lender here.

• Population: an estimated 243,470 residents, 13th of 1,224 places in Texas (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.1% since the 2020 count.
• Absolute change: 2,651 residents lost between 2020 and 2023.
• Size percentile: roughly 99% of Texas places rank below Garland.
• Density: the Census land area of 56.9 sq mi holds about 4,282 people per square mile.
• Land area: Garland covers 56.9 square miles, the 34th-largest area among Texas's 1,224 places.
• Water area rank: Garland ranks 208th among Texas's 1,224 places, with 0.12 sq mi.
• Share of state population: Garland's 243,470 residents are about 1.1% of Texas.
• National rank: Garland sits 91st by population among the 19,457 places in this dataset.
• Growth rank: Garland ranks 973rd among Texas's 1,224 places for the 2020-to-2023 change.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Garland's 1.1%.
• Density rank: Garland is the 20th most densely settled place in Texas.
• Density vs Texas: Garland's 4,282 people per square mile compare with a state median of 840.
• Location: mapped by the US Census Bureau at 32.9098, -96.6303.
• Nearest larger cities: Dallas (11 mi); Plano (12 mi); Irving (20 mi); Arlington (32 mi); Fort Worth (43 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Rowlett (5 mi); Sachse (5 mi); Richardson (6 mi).
• Within a 50-mile radius: 181 smaller Census places.
• Larger places within 100 miles: 5.

Garland on the map

Inside Garland's boundaries lie roughly 56.9 square miles of land and 0.12 square miles of water. That land carries about 4,282 people per square mile. For the state's biggest city, Houston, the distance is roughly 228 miles. Counting outward 50 miles, 5 larger communities surround Garland. The 100-mile radius contains 5 larger places.

The anatomy of a Garland personal loan

A Garland personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 243,470 residents. The APR tracks your credit score rather than Garland's rank of 13th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Garland loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Texas consumer-lending rules applied in Garland

Below are the Texas rules that apply to a loan made in Garland, each with the regulator that issued it.

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

Set beside Texas's 1,224 places, Garland ranks 13th by population and holds about 1.1% of the state total. On the 2020-to-2023 trend, Garland stands 973rd among Texas's 1,224 places — roughly the 21th percentile. At about 4,282 people per square mile, Garland is the 20th most densely settled place in Texas. The population moved by about 2,651 people between 2020 and 2023, a 1.1% shift.

Steps to take before a Garland loan

These steps shape the offer you get in Garland, a place of about 243,470 people:

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. Line up several pre-qualified offers and let the APR decide.
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. Keep the amount to the expense; an approval is not a reason to take more.
7. Decide the purpose and how you will repay it before approaching any lender.

In Garland as elsewhere in Texas, the written terms — not the advertisement — are what count for its 243,470 residents.