Personal loans in Leonard, TX
Leonard, Texas — home to about 2,083 people — is a small community, so the terms you are offered follow Texas law rather than any local rule. Judge Leonard offers on total cost, not on how quickly the money arrives.
Leonard is one of 1,224 Census places in Texas; its 2,083 residents put it at 587th. Lenders active in Leonard report to a Texas supervisor, identified in the sourced rows below. The 2020 count to the 2023 estimate shows about 5.0% growth in Leonard. The next larger city is Bonham, TX about 15 miles away.
What the Census records for Leonard
Read the local figures below as context; read the sourced Texas table as the rulebook a lender here must follow.
- Population: 2,083 — Leonard ranks 587th of 1,224 communities in Texas (US Census Bureau, Vintage 2023).
- Population trend: Up about 5.0% from the 2020 Census base to the 2023 estimate.
- Absolute change: 100 residents added between 2020 and 2023.
- Size percentile: bigger than about 52% of the places in Texas, with 2,083 residents in Leonard.
- Population density: about 910 people per square mile across 2.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Leonard ranks 634th among Texas's 1,224 places, at 2.3 sq mi.
- Share of state population: Leonard's 2,083 residents are about 0.0% of Texas.
- National rank: Leonard sits 7,486th by population among the 19,457 places in this dataset.
- Growth rank: Leonard ranks 431st among Texas's 1,224 places for the 2020-to-2023 change.
- State comparison: Texas's places average +6.5% for 2020-to-2023, against Leonard's 5.0%.
- Density rank: Leonard is the 571st most densely settled place in Texas.
- Density in context: Leonard's 910 people per square mile sit against a Texas median of 840.
- Location: mapped by the US Census Bureau at 33.3832, -96.2465.
- Nearest larger cities: Bonham (15 mi); Farmersville (17 mi); Anna (18 mi); Melissa (19 mi); Van Alstyne (20 mi). Living near a larger metro rarely changes what is available in Leonard.
- Nearest smaller places: Bailey (6 mi); Trenton (6 mi); Celeste (7 mi).
- Smaller places within 50 miles: 63 of them.
- Within 100 miles: 191 places are larger than Leonard.
The state rulebook for Leonard
Texas has no separate rate rule for Leonard; the sourced rows below are what reach every lender that serves its 2,083 people.
| 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 |
How lenders reach Leonard
With about 910 residents per square mile, Leonard is moderately settled, and 64 larger Census places sit within 50 miles. Lenders licensed in Texas reach Leonard's 2,083 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Bonham, TX about 15 miles away.
Before you apply in Leonard
For Leonard's roughly 2,083 residents, these are the steps that most influence the offer:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the Texas licence with the regulator named above before committing.
- Decide the purpose and how you will repay it before approaching any lender.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
None of these steps is Leonard-specific: the same Texas licensing and disclosure rules reach all 2,083 residents.
Leonard on the map
The Census Gazetteer records about 2.3 square miles of land within Leonard, with no significant water area listed. With 2,083 residents, the land area yields roughly 910 people per square mile. The largest place in Texas, Houston, lies about 254 miles away. Leonard has 64 larger places within a 50-mile radius. Within the same 50 miles lie 63 smaller Census places.
Leonard in state context
Among Texas's 1,224 places, Leonard sits at 587th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Leonard stands 431st among Texas's 1,224 places — roughly the 65th percentile. At about 910 people per square mile, Leonard is the 571st most densely settled place in Texas. By land area, its 2.3 square miles rank 634th of 1,224 places in Texas.
Common questions
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Nearby places
- Bailey, TX — population 234
- Celeste, TX — population 868
- Trenton, TX — population 815
- Blue Ridge, TX — population 1,200
- Wolfe City, TX — population 1,454
- Whitewright, TX — population 1,776
- Ector, TX — population 779
- Bonham, TX — population 10,879