Personal loans in Goldsmith, TX

Goldsmith, Texas — home to about 226 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. With an estimated 226 residents, Goldsmith is the 1,142nd-largest of 1,224 places in Texas. A 2020-to-2023 comparison shows Goldsmith down by about 4.6%. Price two or three terms so you can see which payment is truly affordable in Goldsmith. Borrowers who want a bigger city can look to Odessa, TX about 17 miles away.

Where Goldsmith stands

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

• Population: 226 — Goldsmith ranks 1,142nd of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 4.6% from 2020 to 2023.
• People gained or lost: about 11 fewer since the 2020 base.
• Size percentile: roughly 7% of Texas's places have fewer residents than Goldsmith's 226.
• Population density: about 698 people per square mile (Census land area 0.3 sq mi).
• Land area rank: Goldsmith's 0.3 square miles rank 1,195th of 1,224 places in Texas.
• State population share: Goldsmith accounts for about 0.0% of everyone in Texas.
• National rank: Goldsmith is 16,079th of 19,457 places nationwide.
• Growth in Texas: Goldsmith stands 1,186th by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Goldsmith moved 4.6%.
• Density in Texas: Goldsmith ranks 724th by people per square mile.
• Density in context: Goldsmith's 698 people per square mile sit against a Texas median of 840.
• Location: 31.9833, -102.6164 (US Census Bureau Gazetteer).
• Nearest larger cities: Odessa (17 mi); Andrews (24 mi); Kermit (29 mi); Midland (30 mi); Thorntonville (33 mi). Larger metros often have more branches, but online lenders reach Goldsmith on the same terms.
• Nearest smaller towns: Pyote (43 mi); Los Ybanez (65 mi); Forsan (74 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 1 of them.
• Larger places within 100 miles: 39.

A practical checklist for Goldsmith borrowers

A sensible order of operations for a loan in Goldsmith, home to about 226 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Texas licence with the regulator listed on this page.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Goldsmith-specific: the same Texas licensing and disclosure rules reach all 226 residents.

The geography behind Goldsmith

Goldsmith's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 226 residents, the land area yields roughly 698 people per square mile. The state's population centre of gravity, Houston, is roughly 455 miles away. A 50-mile radius around Goldsmith takes in 13 places that are larger. Within the same 50 miles lie 1 smaller Census places.

What is available to Goldsmith borrowers

Goldsmith is moderately settled, with about 698 people per square mile and 13 larger places within 50 miles. A Texas licence lets a lender serve Goldsmith without a local office, so branch density does not change what its 226 residents are offered. The nearest bigger place is Odessa, TX about 17 miles away.

What Texas law requires in Goldsmith

Read the table as a lender's compliance picture for Goldsmith: the rule, the sourced figure, the publisher and the date.

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

Against Texas's other places, Goldsmith accounts for about 0.0% of the state's population and ranks 1,142nd of 1,224 by size. On the 2020-to-2023 trend, Goldsmith stands 1,186th among Texas's 1,224 places — roughly the 3th percentile. By density, at about 698 people per square mile, it ranks 724th in Texas. Between 2020 and 2023 the count changed by roughly 11 residents.