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Personal loans in Graham, TX

Graham, Texas — home to about 8,819 people — is a small town, so the terms you are offered follow Texas law rather than any local rule. The Census estimates 8,819 residents in Graham, which ranks it 266th of 1,224 places in Texas. Pull your credit reports and line up at least three offers before you apply from Graham. Population in Graham climbed about 1.0% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Graham sits on the Texas side of that line. The closest larger city is Mineral Wells, TX about 35 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Graham data picture

The figures below are Graham's own — Census population, land area and coordinates — followed by the Texas rules.

The geography behind Graham

Inside Graham's boundaries lie roughly 5.6 square miles of land and 0.03 square miles of water. Spread across it are roughly 1,576 residents per square mile. For the state's biggest city, Houston, the distance is roughly 296 miles. Counting outward 50 miles, 1 larger communities surround Graham. By land area it ranks 336th of 1,224 Texas places.

What is available to Graham borrowers

Graham is a moderately settled community of about 8,819 people, with 1 larger places inside a 50-mile radius. What is available to Graham's 8,819 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Mineral Wells, TX about 35 miles away.

What shapes a Graham personal loan

In Graham, a small town of about 8,819, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Graham's rank of 266th in Texas: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Graham loan but raises total interest, so the smallest payment is not the cheapest loan.

Texas rules behind a Graham personal loan

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

RuleDetailSource
State lending regulatorTexas 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 licensingLicense 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

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

Among Texas's 1,224 places, Graham sits at 266th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Graham stands 748th among Texas's 1,224 places — roughly the 39th percentile. Its roughly 1,576 residents per square mile place it 260th among Texas's places. In land area, Graham ranks 336th among Texas's 1,224 places.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Graham if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Graham is the same as anywhere in Texas.
What loan size can I expect in Graham?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Graham?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Graham cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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