Personal loans in Graford, TX

The nearest larger city is Mineral Wells, TX about 13 miles away. Census figures put the 2020-to-2023 increase in Graford at about 6.5%. Which products a lender may offer to Graford's 717 residents follows from the Texas consumer-lending framework. Compare APR, not the interest rate, because the APR folds in most fees on a Graford loan.

Borrowing in Graford: the local picture

Here is the sourced Census picture for Graford, plus the Texas lending rules that apply to a loan taken out here.

• Population: 717 people, a figure that places Graford 899th among the 1,224 Census places in Texas (US Census Bureau, Vintage 2023).
• Population trend: Up about 6.5% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 44 more people than the 2020 Census counted.
• Size percentile: Graford's 717 people outrank roughly 27% of the places in Texas.
• Population density: 999 people per square mile on 0.7 square miles of land.
• Land area: Graford covers 0.7 square miles, the 1,091st-largest area among Texas's 1,224 places.
• Share of Texas: Graford holds about 0.0% of the state's population, some 717 people.
• National rank: Graford is the 11,697th most populous of the 19,457 Census places covered here.
• Growth rank: Graford's 2020-to-2023 change ranks 345th of 1,224 places in Texas.
• Against the state trend: Graford's 6.5% change compares with a Texas average of +6.5% across its 1,224 places.
• Density rank: Graford places 513th among Texas's places by people per square mile.
• Density vs Texas: Graford's 999 people per square mile compare with a state median of 840.
• Location: it lies at 32.9374, -98.2475 in the Census Gazetteer.
• Nearest larger cities: Mineral Wells (13 mi); Jacksboro (21 mi); Graham (22 mi); Runaway Bay (27 mi); Dennis (29 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Cool (17 mi); Bryson (18 mi); Millsap (19 mi).
• Smaller places within 50 miles: 18 of them.
• Larger places within 100 miles: 212.

Borrowing reach in Graford

Graford is a moderately settled community of about 717 people, with 39 larger places inside a 50-mile radius. A Texas licence lets a lender serve Graford without a local office, so branch density does not change what its 717 residents are offered. For a larger market, the closest option is Mineral Wells, TX about 13 miles away.

How a Graford personal loan is priced

Most loans made to Graford's 717 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Graford loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Graford loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Graford

Complete these steps first when you borrow in Graford (717 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
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. Check the Texas regulator's records to confirm the lender is licensed here.
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 Graford-specific: the same Texas licensing and disclosure rules reach all 717 residents.

Graford against the rest of Texas

Within Texas, Graford holds roughly 0.0% of all residents, the 899th-largest share among 1,224 places. Its 2020-to-2023 change ranks 345th of 1,224 Texas places, putting it near the 72th percentile for growth. Its roughly 999 residents per square mile place it 513th among Texas's places. Within 50 miles sit 18 smaller Census places, alongside the 39 that are larger.

How Texas law applies in Graford

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