Personal loans in Garrison, TX

A single loan can carry different costs on either side of a state line, and Garrison sits on the Texas side of that line. An estimated 817 people make their home in Garrison, a figure that ranks 863rd in Texas. Judge Garrison offers on total cost, not on how quickly the money arrives. Garrison gained roughly 3.8% in population across the 2020-to-2023 comparison. For a bigger market, look to Timpson, TX about 8 miles away.

Garrison by the numbers

What follows is Garrison's place in the Census record, alongside the Texas rules that govern a personal loan made here.

• Population: 817 residents; Garrison is the 863rd-largest of 1,224 places in Texas (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 3.8% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 30 residents.
• Size percentile: roughly 29% of Texas places rank below Garrison.
• Density: roughly 696 residents per square mile, spread over 1.2 sq mi of land.
• Land area rank: Garrison's 1.2 square miles rank 946th of 1,224 places in Texas.
• Within Texas: about 0.0% of the state's population lives in Garrison.
• Nationally: Garrison is the 11,095th-largest of 19,457 Census places in the dataset.
• Growth in Texas: Garrison stands 517th by percentage change from 2020 to 2023, among 1,224 places.
• State comparison: Texas's places average +6.5% for 2020-to-2023, against Garrison's 3.8%.
• Density rank: Garrison places 726th among Texas's places by people per square mile.
• Density vs Texas: Garrison's 696 people per square mile compare with a state median of 840.
• Location: coordinates 31.8260, -94.4938 (US Census Bureau Gazetteer).
• Nearest larger cities: Timpson (8 mi); Tenaha (17 mi); Nacogdoches (17 mi); Center (19 mi); Carthage (24 mi). Larger metros often have more branches, but online lenders reach Garrison on the same terms.
• Nearest smaller places: Appleby (10 mi); Mount Enterprise (13 mi); Gary City (16 mi).
• Within a 50-mile radius: 21 smaller Census places.
• Larger places within 100 miles: 111.

Which Texas laws govern a loan in Garrison

When Texas does not publish a figure, the row links to the source instead of inventing a number; Garrison is bound by the same rules.

How a Garrison personal loan is priced

A Garrison personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 817 residents. Federal Truth in Lending rules require a Garrison lender to disclose the APR and finance charge before you sign. Shortening the term on a Garrison loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Land, water and location for Garrison

Inside Garrison's boundaries lie about 1.2 square miles of land, with no significant water area recorded. The resulting density is about 696 people per square mile. The state's population centre of gravity, Houston, is roughly 151 miles away. Counting outward 50 miles, 27 larger communities surround Garrison. By land area it ranks 946th of 1,224 Texas places.

The Garrison borrowing checklist

Before you hand your details to a lender in Garrison, where the population is near 817:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
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. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Garrison-specific: the same Texas licensing and disclosure rules reach all 817 residents.

How Garrison compares across Texas

Set beside Texas's 1,224 places, Garrison ranks 863rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Garrison stands 517th among Texas's 1,224 places — roughly the 58th percentile. Its roughly 696 residents per square mile place it 726th among Texas's places. In land area, Garrison ranks 946th among Texas's 1,224 places.