Personal loans in Grandfalls, TX

Local context for Grandfalls

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

• Population: about 327 people live here, which puts Grandfalls 1,078th of 1,224 Census places in Texas (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 4.7%.
• People gained or lost: about 16 fewer since the 2020 base.
• Size percentile: with 327 residents, Grandfalls is larger than about 12% of Texas's Census places.
• Population density: about 606 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Grandfalls covers 0.5 square miles, the 1,137th-largest area among Texas's 1,224 places.
• Share of Texas: Grandfalls holds about 0.0% of the state's population, some 327 people.
• National rank: Grandfalls sits 14,813th by population among the 19,457 places in this dataset.
• Growth rank: Grandfalls's 2020-to-2023 change ranks 1,187th of 1,224 places in Texas.
• Versus Texas: the state average change is +6.5%, while Grandfalls moved 4.7%.
• Density in Texas: Grandfalls ranks 810th by people per square mile.
• Against the state median: Grandfalls runs about 606 residents per square mile, where the Texas median is 840.
• Location: 31.3405, -102.8545 (US Census Bureau Gazetteer).
• Nearest larger cities: Thorntonville (17 mi); Wickett (18 mi); Monahans (26 mi); Crane (30 mi); Fort Stockton (31 mi). Larger metros often have more branches, but online lenders reach Grandfalls on the same terms.
• Nearest smaller towns: Pyote (21 mi); Barstow (33 mi); Goldsmith (47 mi).
• Smaller places within 50 miles: 3 of them.
• Larger places within 100 miles: 24.

Which Texas laws govern a loan in Grandfalls

For the roughly 327 residents of Grandfalls, the rules below are Texas's own; each row carries its publisher and retrieval date.

Steps to take before a Grandfalls loan

For Grandfalls's roughly 327 residents, these are the steps that most influence the offer:

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. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Texas licence with the regulator named above before committing.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

What differs between Grandfalls and the rest of Texas is not the process but the borrower's own file, among the 327 people here.

How Grandfalls compares across Texas

Within Texas, Grandfalls holds roughly 0.0% of all residents, the 1,078th-largest share among 1,224 places. Its 2020-to-2023 change ranks 1,187th of 1,224 Texas places, putting it near the 3th percentile for growth. At about 606 people per square mile, Grandfalls is the 810th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 16 residents.

What shapes a Grandfalls personal loan

Grandfalls is a small community of about 327 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Grandfalls lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Grandfalls loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Grandfalls

Grandfalls covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 606 people per square mile. Houston, the largest place in Texas, is about 457 miles from Grandfalls. Within 50 miles of Grandfalls there are 10 larger Census places. Within the same 50 miles lie 3 smaller Census places.