Personal loans in Hedley, TX

By population, Hedley sits at 1,114th in Texas, with an estimated 265 residents. A larger market lies at Memphis, TX about 12 miles away. To lend to Hedley's 265 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Begin with the payment, then weigh APR and total interest across the lenders that reach Hedley's 265 residents.

Borrowing in Hedley: the local picture

Only a few things actually differ by place — population, area, location, and the Texas rules a lender must follow — and they are below.

• Population: about 265 people live here, which puts Hedley 1,114th of 1,224 Census places in Texas (Vintage 2023).
• Population trend: A loss of roughly 3.6% between 2020 and 2023.
• People gained or lost: about 10 fewer since the 2020 base.
• Size percentile: about 9% of Texas communities are smaller than Hedley (265 residents).
• Land and density: 0.7 square miles of land carry roughly 371 residents per square mile.
• Land area rank: Hedley's 0.7 square miles rank 1,092nd of 1,224 places in Texas.
• Share of state population: Hedley's 265 residents are about 0.0% of Texas.
• National standing: Hedley ranks 15,552nd of 19,457 US places.
• Growth in Texas: Hedley stands 1,135th by percentage change from 2020 to 2023, among 1,224 places.
• Versus Texas: the state average change is +6.5%, while Hedley moved 3.6%.
• Density in Texas: Hedley ranks 984th by people per square mile.
• Density vs Texas: Hedley's 371 people per square mile compare with a state median of 840.
• Location: it lies at 34.8674, -100.6590 in the Census Gazetteer.
• Nearest larger cities: Memphis (12 mi); Clarendon (14 mi); Howardwick (18 mi); Wellington (25 mi); McLean (25 mi). Online lenders reach Hedley no matter how far the nearest branch is.
• Nearest smaller towns: Lakeview (14 mi); Estelline (25 mi); Dodson (37 mi) — useful context for the surrounding area.
• Smaller neighbours: 5 places smaller than Hedley sit within 50 miles.
• Within 100 miles: 77 places are larger than Hedley.

Inside a Hedley personal loan

With roughly 265 residents, Hedley is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Hedley lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Hedley loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Hedley

Hedley is a lightly settled community of about 265 people, with 16 larger places inside a 50-mile radius. What is available to Hedley's 265 borrowers is set by Texas licensing and your own credit, not by how many branches are nearby. The nearest larger city, Memphis, TX about 12 miles away.

Where Hedley sits in Texas

Set beside Texas's 1,224 places, Hedley ranks 1,114th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Hedley stands 1,135th among Texas's 1,224 places — roughly the 7th percentile. At about 371 people per square mile, Hedley is the 984th most densely settled place in Texas. Between 2020 and 2023 the count changed by roughly 10 residents.

The Hedley borrowing checklist

Before you hand your details to a lender in Hedley, where the population is near 265:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Texas licence by checking the regulator named above.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Hedley-specific: the same Texas licensing and disclosure rules reach all 265 residents.

What Texas law requires in Hedley

Below are the Texas rules that apply to a loan made in Hedley, each with the regulator that issued it.