Personal loans in Jolly, TX
In Jolly, one of 1,224 Census places in Texas, the figure to compare across lenders is the APR, not the advertised rate. Jolly gained roughly 5.3% in population across the 2020-to-2023 comparison.
By population, Jolly sits at 1,171st in Texas, with an estimated 179 residents. Verify the lender's Texas licence against the regulator named below before borrowing in Jolly. A single loan can carry different costs on either side of a state line, and Jolly sits on the Texas side of that line. The nearest larger city is Dean, TX about 4 miles away.
Local context for Jolly
Set out below is Jolly's local context next to the state-level rules that reach every lender here.
- Population: about 179 people live here, which puts Jolly 1,171st of 1,224 Census places in Texas (Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 5.3%.
- Absolute change: 9 residents added between 2020 and 2023.
- Size percentile: Jolly's 179 people outrank roughly 4% of the places in Texas.
- Population density: 182 people per square mile on 1.0 square miles of land.
- By land area: Jolly ranks 1,021st among Texas's 1,224 places, at 1.0 sq mi.
- Share of state population: Jolly's 179 residents are about 0.0% of Texas.
- National rank: Jolly sits 16,797th by population among the 19,457 places in this dataset.
- Growth rank: Jolly ranks 422nd among Texas's 1,224 places for the 2020-to-2023 change.
- Against the state trend: Jolly's 5.3% change compares with a Texas average of +6.5% across its 1,224 places.
- Density rank: Jolly places 1,128th among Texas's places by people per square mile.
- Density in context: Jolly's 182 people per square mile sit against a Texas median of 840.
- Location: it lies at 33.8753, -98.3492 in the Census Gazetteer.
- Nearest larger cities: Dean (4 mi); Henrietta (10 mi); Wichita Falls (10 mi); Lakeside City (11 mi); Petrolia (12 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Sugden (26 mi); Devol (26 mi); Hastings (28 mi).
- Smaller places within 50 miles: 9 of them.
- At 100 miles: 233 larger Census places fall inside that radius.
What shapes a Jolly personal loan
With roughly 179 residents, Jolly is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Jolly. Shortening the term on a Jolly loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Which Texas laws govern a loan in Jolly
Read the table as a lender's compliance picture for Jolly: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Texas 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 licensing | License 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 |
How lenders reach Jolly
At roughly 182 people per square mile, Jolly is lightly settled; 37 larger places lie within 50 miles. Distance to a branch rarely matters for Jolly's 179 residents: the application is online and the price follows your credit file. The nearest bigger place is Dean, TX about 4 miles away.
How Jolly compares across Texas
Set beside Texas's 1,224 places, Jolly ranks 1,171st by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 422nd of 1,224 Texas places, putting it near the 66th percentile for growth. Its roughly 182 residents per square mile place it 1,128th among Texas's places. By land area, its 1.0 square miles rank 1,021st of 1,224 places in Texas.
Land, water and location for Jolly
Jolly covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 182 residents per square mile. Houston, the largest place in Texas, is about 332 miles from Jolly. Counting outward 50 miles, 37 larger communities surround Jolly. Within the same 50 miles lie 9 smaller Census places.
Common questions
What are my options in Jolly if my credit is poor?
What loan size can I expect in Jolly?
Do I have to pledge anything to borrow in Jolly?
Does comparing loans in Jolly cost me credit score points?
Nearby places
- Dean, TX — population 522
- Henrietta, TX — population 3,239
- Wichita Falls, TX — population 102,691
- Petrolia, TX — population 539
- Lakeside City, TX — population 1,287
- Cashion Community, TX — population 292
- Byers, TX — population 472
- Pleasant Valley, TX — population 358