Personal loans in Iredell, TX

At about 318 residents, Iredell is larger than roughly 12% of the places in Texas. For a borrower among the roughly 318 residents of Iredell, a personal loan is a tool whose cost turns on the terms, not the address.

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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Iredell. For the 318 people in Iredell, Texas runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The 2020 count to the 2023 estimate shows about 3.2% growth in Iredell. Borrowers who want a bigger city can look to Walnut Springs, TX about 9 miles away.

Where Iredell stands

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

Iredell on the map

Iredell covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 708 people per square mile. The largest place in Texas, Houston, lies about 212 miles away. Iredell has 47 larger places within a 50-mile radius. The 100-mile radius contains 269 larger places.

How Texas law applies in Iredell

When Texas does not publish a figure, the row links to the source instead of inventing a number; Iredell 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

Where Iredell sits in Texas

Set beside Texas's 1,224 places, Iredell ranks 1,082nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Iredell ranks 552nd of 1,224 in Texas (about the 55th percentile). By density, at about 708 people per square mile, it ranks 717th in Texas. In land area, Iredell ranks 1,166th among Texas's 1,224 places.

Lender access in Iredell

Iredell is moderately settled, with about 708 people per square mile and 47 larger places within 50 miles. Lenders licensed in Texas reach Iredell's 318 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Walnut Springs, TX about 9 miles away.

A practical checklist for Iredell borrowers

For Iredell's roughly 318 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Test your amount and term in the personal loan calculator first.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Make sure the lender appears in the Texas regulator's licence list.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

In Iredell as elsewhere in Texas, the written terms — not the advertisement — are what count for its 318 residents.

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 Iredell 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 Iredell is the same as anywhere in Texas.
What loan size can I expect in Iredell?
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 Iredell?
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 Iredell 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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