Personal loans in Leona, TX
Leona, Texas — home to about 166 people — is a small community, so the terms you are offered follow Texas law rather than any local rule.
To lend to Leona's 166 residents, a company must hold a Texas licence, and each sourced row below names the regulator behind it. Roughly 166 residents live in Leona, the 1,177th-largest community in Texas. Rate-shopping from Leona costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Leona gained roughly 9.2% in population across the 2020-to-2023 comparison. The closest larger place is Centerville, TX about 7 miles away.
Where Leona stands
Two layers matter for a Leona borrower: the local population picture and Texas's consumer-lending statutes.
- Population: 166 — Leona ranks 1,177th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: About 9.2% above the 2020 Census base.
- Net change: roughly 14 more people than the 2020 Census counted.
- Size percentile: about 4% of Texas communities are smaller than Leona (166 residents).
- Population density: 75 people per square mile on 2.2 square miles of land.
- Land area rank: Leona's 2.2 square miles rank 642nd of 1,224 places in Texas.
- Share of state population: Leona's 166 residents are about 0.0% of Texas.
- National standing: Leona ranks 17,020th of 19,457 US places.
- Growth in Texas: Leona stands 255th by percentage change from 2020 to 2023, among 1,224 places.
- Against the state trend: Leona's 9.2% change compares with a Texas average of +6.5% across its 1,224 places.
- Density in Texas: Leona ranks 1,203rd by people per square mile.
- Density in context: Leona's 75 people per square mile sit against a Texas median of 840.
- Location: coordinates 31.1537, -95.9760 (US Census Bureau Gazetteer).
- Nearest larger cities: Centerville (7 mi); Normangee (12 mi); Madisonville (14 mi); Midway (16 mi); Jewett (18 mi). Living near a larger metro rarely changes what is available in Leona.
- Smaller communities close by: Kirvin (47 mi); Todd Mission (62 mi); Powell (69 mi), each with its own Census population profile.
- Within a 50-mile radius: 1 smaller Census places.
- At 100 miles: 241 larger Census places fall inside that radius.
Leona against the rest of Texas
Set beside Texas's 1,224 places, Leona ranks 1,177th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Leona stands 255th among Texas's 1,224 places — roughly the 79th percentile. By density, at about 75 people per square mile, it ranks 1,203rd in Texas. Between 2020 and 2023 the count changed by roughly 14 residents.
What Texas law requires in Leona
For the roughly 166 residents of Leona, the rules below are Texas's own; each row carries its publisher and retrieval 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 |
| Payday lending status | Legal via licensed credit access businesses (payday/title-loan brokers); the third-party lender itself is not licensed (Tex. Fin. Code ch. 393) Source says: the credit access business that serves as the broker is the licensee in this regulated industry | 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 |
Leona on the map
Inside Leona's boundaries lie about 2.2 square miles of land, with no significant water area recorded. With 166 residents, the land area yields roughly 75 people per square mile. The state's population centre of gravity, Houston, is roughly 101 miles away. Counting outward 50 miles, 35 larger communities surround Leona. By land area it ranks 642nd of 1,224 Texas places.
Borrowing reach in Leona
With about 75 residents per square mile, Leona is sparsely settled, and 35 larger Census places sit within 50 miles. Distance to a branch rarely matters for Leona's 166 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Centerville, TX about 7 miles away.
A practical checklist for Leona borrowers
Before you hand your details to a lender in Leona, where the population is near 166:
- Pull your credit reports first and correct any error before a lender sees the file.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Check the Texas regulator's records to confirm the lender is licensed here.
- Keep the amount to the expense; an approval is not a reason to take more.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
The process is identical across Texas; what changes is your credit file, not the fact that Leona holds 166 people.
Common questions
What are my options in Leona if my credit is poor?
What loan size can I expect in Leona?
Do I have to pledge anything to borrow in Leona?
Does comparing loans in Leona cost me credit score points?
Nearby places
- Centerville, TX — population 949
- Normangee, TX — population 535
- Madisonville, TX — population 4,602
- Midway, TX — population 186
- Jewett, TX — population 821
- Marquez, TX — population 195
- Buffalo, TX — population 1,855
- Bedias, TX — population 394